ArthVeda Mutual Fund Wealth Calculator: Harness the Power of Compounding
Plan Your Financial Freedom Today. Whether you are investing a lump sum amount or starting a Systematic Investment Plan (SIP), our mutual fund calculator helps you visualize your wealth creation journey. Discover how small, disciplined investments today can compound into a massive corpus for your future goals—be it retirement, buying a home, or funding your child’s education.
SIP Wealth Predictor
Wealth Projection Schedule
| Year | Invested Amount | Wealth Gained | Total Wealth |
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How to Use This Calculator
Investing doesn’t have to be guesswork. Enter your details below to project your financial future:
- Monthly Investment (SIP) / Lumpsum: Enter the amount you plan to invest. You can start with as little as ₹500 a month.
- Expected Annual Return (%): Enter the realistic rate of return you expect. Historically, equity mutual funds in India have delivered between 10% to 15% annually over the long term.
- Time Period (Years): Choose how long you plan to stay invested. Pro tip: The real magic of compounding happens after the 7 to 10-year mark!
Understanding the Magic: How Do We Calculate This?
Mutual funds generate wealth through the principle of Compound Interest—which means you earn returns not just on your original investment, but also on the accumulated profits from previous years.
For the mathematically curious, the future value of a Systematic Investment Plan (SIP) is calculated using the following financial formula:
M = P × [ (1 + i)ⁿ – 1 ] / i × (1 + i)
Where:
- M = Total Expected Maturity Amount
- P = Monthly Investment Amount (SIP)
- i = Monthly Rate of Return (Annual Return Rate ÷ 12 ÷ 100)
- n = Total Number of Months
Why Calculate Your Returns?
- Goal Setting: Knowing your target corpus helps you decide exactly how much you need to save every month.
- Inflation Defense: Visualizing your long-term returns proves why keeping money in a standard savings account (earning 3-4%) is not enough to beat inflation.
- Discipline: Watching your estimated wealth grow into crores on the calculator is the best motivation to never miss an SIP installment.
Important Disclaimer (Please Read Carefully)
Standard Mutual Fund Warning: Mutual Fund investments are subject to market risks, read all scheme-related documents carefully.
Calculator Limitations:
The ArthVeda Mutual Fund Calculator is provided for educational and illustrative purposes only. The calculated figures are based on the expected rate of return entered by the user and assume a constant rate of return compounded annually. Real-world financial markets are volatile, and actual returns will fluctuate based on market conditions, applicable exit loads, and tax structures (such as Long-Term Capital Gains tax). This tool does not guarantee future performance and should not be construed as certified financial advice. Always consult a SEBI-registered financial advisor before making actual investment decisions.