Mutual Fund Returns Calculator
Work out the return on a mutual fund investment — absolute return, annualised return (CAGR) and total gain from what you invested and its current value.
How it works
Absolute return = (current value − invested) ÷ invested × 100. Annualised return (CAGR) = ((current value ÷ invested)^(1 ÷ years) − 1) × 100.
Absolute return is the simple percentage gain over the whole period, ignoring how long you held the fund. Annualised return (CAGR) converts that into a smooth per-year rate, which is the fair way to compare a three-year holding with a ten-year one. A large absolute return spread over many years can be a modest annual rate, so always check the CAGR before judging a fund.
Worked example
An investment that grew from ₹1,00,000 to ₹1,80,000 over 3 years shows an 80% absolute return. Annualised, that is a CAGR of about 21.6% a year — the steady rate that would turn ₹1,00,000 into ₹1,80,000 in three years.
Frequently asked questions
Absolute return or CAGR — which should I trust?
Use CAGR to compare investments held for different periods, because it standardises everything to a per-year rate. Absolute return is fine only when you are looking at a single fixed period.
Does this handle SIP returns?
Not exactly. This assumes a single investment held over the period. SIP money goes in at many dates, so its true return uses an XIRR calculation; use a SIP calculator to project instalment-based investing.
Is the return shown before or after tax?
Before tax. When you redeem, capital-gains tax applies to the gain based on the fund type and holding period, so your in-hand return will be a little lower.
Related calculators
Educational estimate only, not investment advice. Mutual-fund and market-linked returns are not guaranteed and past performance does not predict the future. Verify current fund details and consult a SEBI-registered adviser.