Mutual Fund Returns Calculator: Absolute and Annualised Returns
Enter what you invested, what it is worth now and the two dates. You get the absolute return, the annualised return and the gain.
- Nothing you type is stored
- Free
- No signup
Annualised return (CAGR)
10.88%
- Absolute return
- 45%
- Gain
- ₹45,000
- Held for
- 1,313 days
- That is
- 3.6 years
For one-time investments. For SIPs or several buys and sells, use the XIRR calculator.
How to use
- Enter the amount you invested and the current value from your statement or app.
- Enter the investment date.
- Keep today as the value date or pick another date.
Good to know
Absolute return = (current value − invested) ÷ invested. Annualised return = (current ÷ invested)^(365 ÷ days) − 1, which is the CAGR over the exact holding period.
For periods under a year, fund factsheets show absolute returns because annualising a short gain can look unrealistically large. A 5% gain in 3 months annualises to about 22%, which is unlikely to repeat.
This is for a single lump-sum purchase. If you invested through a SIP or made several purchases and redemptions, use the XIRR calculator, which is what fund statements call "XIRR" or "annualised return".
Questions
How do I calculate mutual fund returns?
Absolute: (Current − Invested) ÷ Invested × 100. Annualised: ((Current ÷ Invested)^(365 ÷ days) − 1) × 100.
Which return should I look at?
Annualised return for more than a year, absolute return for less than a year.
Why is my SIP return different?
SIP money goes in on many dates, so the right measure is XIRR.
Does it include tax and exit load?
No. It uses the values you enter.
Is my data stored?
No. Everything is calculated on your device.