Mutual Fund Returns Calculator
Calculate XIRR / absolute / annualized returns for mutual fund investments. Track portfolio performance.
Annualized Return (CAGR)
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What is Mutual Fund Returns?
Mutual fund returns measure growth of your investment. Two common metrics: Absolute Return (total % gain regardless of time) and CAGR (Compound Annual Growth Rate — annualized return). CAGR is the standard for comparing investments across different durations. For lumpsum investments, simple formula. For SIPs with multiple cashflows, XIRR is more accurate.
How to use
- Enter invested amount — Total money put in
- Enter current value — Today's portfolio value
- Enter holding period — Years from investment to today
- View absolute + CAGR — Both metrics shown
Tips
- For SIPs, use XIRR (this tool gives CAGR — close enough for general purpose)
- Long-term equity MF: 12-15% CAGR realistic
- Index funds (Nifty 50): 11-12% historical
- Compare CAGR with inflation (6-7%) — real return is the difference
FAQs
CAGR vs absolute return?
Absolute: total % gain. CAGR: annualized rate. CAGR comparable across different time periods.
Why CAGR over absolute?
100% absolute return over 1 year (CAGR 100%) vs over 10 years (CAGR 7%) are very different. CAGR standardizes.
Negative returns?
Yes possible if current value < invested. CAGR will be negative percentage.
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