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Free Calculators for Mutual Fund Investors

Eleven tools, no signup, nothing stored. Every projection runs on an assumption you supply, because nobody can tell you what a market-linked investment will do.

Planning what to invest

SIP Calculator

Model a monthly instalment over a period using your own return assumption, with an optional lump sum and top-up.

Step-Up SIP Calculator

Compare a flat instalment against one that rises every year, side by side, on the same assumption.

Goal SIP Calculator

Work backwards from an amount you need and a date, and see what the monthly requirement would be.

Retirement Calculator

Corpus needed for the years after you stop working, using separate returns for building and drawing.
Taking money out

SWP Calculator

A fixed monthly withdrawal against a corpus, year by year, and the year the balance runs out.

XIRR Calculator

The annualised return your money actually earned, accounting for the date of every cashflow.
Checking and comparing

Check Latest NAV

Look up the current net asset value of any scheme.

Compare Mutual Funds

Put schemes side by side rather than judging one in isolation.

SIP Backtest

What a monthly instalment would have done over a past period. History, not a forecast.

Fund Analysis

Scheme details and performance history in one place.

Income Tax Calculator

Work out your liability across regimes for the current year.

What a calculator can and cannot tell you

Most of these tools take a return rate as an input. That is deliberate and it is the honest way to build them. Nobody knows what a market-linked investment will do over the next fifteen years, so a calculator that hands you a confident number has simply assumed one on your behalf and then hidden the assumption.

So the useful way to use any of them is twice. Once at the rate you expect, and once several percentage points lower. If a plan still works in the second run, it is funded by your saving. If it only works in the first, it is funded by an assumption, and that is worth knowing while you can still do something about it.

The one tool here that measures rather than projects

The XIRR calculator is different from the rest. It does not project anything; it takes cashflows that already happened and works out the annualised return your money actually earned, accounting for the date of every instalment.

That matters because the figure most apps show is absolute return, which ignores time completely and therefore misstates a SIP badly. Our guide on reading a mutual fund statement explains which number on your statement is worth reading and which one to ignore.

What none of these include

  • Tax. Explained structurally, without rates that change every year, on our page about mutual fund taxation.
  • Exit load, which is counted per purchase and catches SIP investors in particular, as our guide on exit load sets out.
  • The expense ratio, the one cost that is knowable in advance and never appears on a statement. See expense ratio.
  • The order in which returns arrive, which matters enormously once you are withdrawing monthly and which no single-rate model can represent.

We are an AMFI-registered mutual fund distributor (ARN-145870) working since 2014, not investment advisers, and none of these tools is a recommendation. If you would like the numbers worked through against your own situation instead of round figures, get in touch — that conversation costs nothing.

Calculators — Frequently Asked Questions

All of them are free and none require a signup, an account or your phone number. Nothing you enter is stored, and the calculations run in your browser rather than on our server.

No. Every projection tool here works out arithmetic on a return rate that you type in, so the output is a scenario under your own assumption. Mutual fund returns are market-linked and arrive unevenly, and nobody can tell you what any scheme will do.

If you are deciding how much to invest, start with the SIP calculator. If you already know the amount you need and the date, the goal calculator works backwards to the instalment. If you want to know how your existing investments have actually done, use the XIRR calculator.

Usually because the app is showing absolute return, which ignores when each rupee went in and therefore misstates a SIP. XIRR accounts for the date of every cashflow, which is why it is the figure worth reading on a folio with many instalments.

No. None of the projections deduct tax or exit load, so money actually reaching you would be lower than the figures shown. Both are explained on our pages about mutual fund taxation and exit load.

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