Mutual Fund NAV Return, CAGR & XIRR Calculator
Estimate returns from supplied NAV values. Lumpsum results use CAGR; dated SIP cash flows use XIRR. This tool does not retrieve historical NAV data or calculate country-specific tax.
Mutual Fund NAV Return, CAGR & XIRR Calculator
Estimate returns from supplied NAV values. Lumpsum results use CAGR; dated SIP cash flows use XIRR. This tool does not retrieve historical NAV data or calculate country-specific tax.
Calculation guide
How to use the Mutual Fund NAV Return, CAGR & XIRR Calculator
Estimate returns from supplied NAV values. Lumpsum results use CAGR; dated SIP cash flows use XIRR. This tool does not retrieve historical NAV data or calculate country-specific tax. This tool is designed for Indian users who want a quick estimate before comparing options, speaking with an advisor, or committing money. It helps you estimate future value, compare contribution amounts, understand compounding, and set realistic expectations before investing.
What this calculator answers
Projected mutual fund value for SIP or lump-sum investing, and how costs such as expense ratios reduce long-term returns.
Practical tip
Small annual costs compound just like returns. Compare direct and regular plans, and check the expense ratio before investing.
Worked example
Rs 10 lakh growing at 12% for 20 years reaches about Rs 96 lakh. If costs reduce the net return to 11%, the same money reaches only about Rs 81 lakh, a gap of roughly Rs 16 lakh.
Want the full picture first? Read our Mutual funds guide.
Formula and methodology
Future value depends on contribution amount, expected annual return, compounding frequency, and time invested. For SIPs, the calculator uses periodic investment compounding rather than treating all money as invested on day one.
WealthWiseGrow keeps calculator inputs private in your browser wherever possible. The result should be treated as an educational estimate and reviewed against the official product terms, bank quote, fund document, tax rule, or salary structure that applies to your situation.
Example interpretation
For example, increasing a monthly SIP from Rs 5,000 to Rs 7,500 can have a larger long-term impact than chasing an extra 1% return, especially over 10 to 15 years. The calculator helps you test those trade-offs before committing money.
After calculating, compare at least two scenarios: a conservative case and an optimistic case. This helps you avoid planning around a single number that may not survive changes in income, interest rates, inflation, tax rules, or market returns.
Key assumptions
- - Expected return is an estimate, not a guarantee.
- - Taxes, exit loads, expense ratios, brokerage, and market volatility can reduce real returns.
- - Inflation should be considered when converting future value into today's purchasing power.
Common mistakes
- - Treating projected returns as guaranteed outcomes.
- - Ignoring inflation and tax impact.
- - Stopping long-term investments because of short-term market movement.