Mutual Fund Calculator
100% Local Browser ProcessingFinance SuiteYearly Mutual Fund Growth & Tax Amortization Schedule
Year-by-year invested capital, accumulated gains, estimated 12.5% LTCG tax, and post-tax corpus.
| Year | Invested Capital | Gains to Date | Gross Corpus | Est. 12.5% Tax | Net Post-Tax Corpus |
|---|---|---|---|---|---|
| Year 1 | ₹2,20,000 | +₹20,093 | ₹2,40,093 | −₹0 | ₹2,40,093 |
| Year 2 | ₹3,40,000 | +₹57,872 | ₹3,97,872 | −₹0 | ₹3,97,872 |
| Year 3 | ₹4,60,000 | +₹1,15,569 | ₹5,75,569 | −₹0 | ₹5,75,569 |
| Year 4 | ₹5,80,000 | +₹1,95,700 | ₹7,75,700 | −₹8,838 | ₹7,66,863 |
| Year 5 | ₹7,00,000 | +₹3,01,098 | ₹10,01,098 | −₹22,012 | ₹9,79,086 |
| Year 6 | ₹8,20,000 | +₹4,34,953 | ₹12,54,953 | −₹38,744 | ₹12,16,209 |
| Year 7 | ₹9,40,000 | +₹6,00,858 | ₹15,40,858 | −₹59,482 | ₹14,81,376 |
| Year 8 | ₹10,60,000 | +₹8,02,862 | ₹18,62,862 | −₹84,733 | ₹17,78,129 |
| Year 9 | ₹11,80,000 | +₹10,45,523 | ₹22,25,523 | −₹1,15,065 | ₹21,10,458 |
| Year 10 | ₹13,00,000 | +₹13,33,976 | ₹26,33,976 | −₹1,51,122 | ₹24,82,854 |
| Year 11 | ₹14,20,000 | +₹16,74,003 | ₹30,94,003 | −₹1,93,625 | ₹29,00,378 |
| Year 12 | ₹15,40,000 | +₹20,72,119 | ₹36,12,119 | −₹2,43,390 | ₹33,68,729 |
| Year 13 | ₹16,60,000 | +₹25,35,661 | ₹41,95,661 | −₹3,01,333 | ₹38,94,328 |
| Year 14 | ₹17,80,000 | +₹30,72,891 | ₹48,52,891 | −₹3,68,486 | ₹44,84,404 |
| Year 15 | ₹19,00,000 | +₹36,93,117 | ₹55,93,117 | −₹4,46,015 | ₹51,47,102 |
How to Calculate Mutual Fund Returns & Tax
Estimate compounding growth across SIP, Lumpsum, SWP, STP, CAGR, post-12.5% LTCG tax net corpus, and real inflation purchasing power in seconds.
Choose Mutual Fund Strategy Mode
Select between SIP + Lumpsum Hybrid, Lumpsum, SWP Monthly Income Withdrawal, STP Systematic Transfer, CAGR & Absolute Returns, or Target Goal Reverse Planner.
Set Inputs or Use Fund Category Presets
Use 1-click presets for Large Cap (12%), Mid Cap (15%), Small Cap (18%), Hybrid (11%), Debt (7%), or customize your return, tenure, LTCG tax, and inflation rate.
Analyze Post-Tax Wealth & Export CSV
Instantly view total estimated future corpus, wealth gain, post-12.5% LTCG tax net corpus, real inflation value, and download the full yearly schedule as a CSV.
SIP vs Lumpsum vs SWP vs STP vs Bank FD
Compare expected return potential, risk profiles, Indian capital gains taxation rules, and suitability across mutual fund strategies.
| Strategy Mode | Expected Returns | Risk Profile | Taxation Rules | Ideal For |
|---|---|---|---|---|
| Monthly SIP (Systematic) | 12% - 18% p.a. | Moderate (Rupee Cost Averaging) | LTCG 12.5% (> ₹1.25L) / STCG 20% | Salaried individuals building long-term wealth with monthly income. |
| Lumpsum Investment | 12% - 18% p.a. | High (Market Timing Dependency) | LTCG 12.5% (> ₹1.25L) / STCG 20% | Investors with surplus cash from bonuses, property sales, or windfalls. |
| SWP (Withdrawal Plan) | 8% - 12% p.a. (Post-Payout) | Low to Moderate | First ₹1.25L LTCG exempt, balance at 12.5% | Retirees & passive income seekers wanting regular monthly cash flow. |
| STP (Systematic Transfer) | 10% - 14% p.a. | Low (Phased Equity Exposure) | Transfer triggers tax on source fund | De-risking large capital by parking in liquid funds & transferring to equity. |
| Bank Fixed Deposit (FD) | 6.5% - 7.5% p.a. | Very Low (Guaranteed Returns) | Taxed as per Income Tax Slab Rate | Conservative investors prioritizing nominal capital safety over inflation growth. |
Why Use Meema Tools Mutual Fund Calculator?
Engineered for high financial precision, 5 strategic modes, 12.5% LTCG tax estimation, category return presets, and 100% browser-based confidentiality.
5 Advanced Modes
Supports Hybrid SIP + Lumpsum, SWP Monthly Income, STP Transfer, CAGR Returns, and Target Goal Reverse Calculator.
12.5% LTCG Tax & Inflation Engine
Calculate post-tax net returns exceeding ₹1.25L exemption limit and discount future wealth against inflation.
Fund Category Return Presets
One-click rate presets for Large Cap (12%), Mid Cap (15%), Small Cap (18%), Hybrid (11%), Debt (7%), and Liquid (6%).
Yearly Schedule & CSV Export
Inspect year-by-year invested capital, accumulated gains, tax estimates, and download CSV reports in 1-click.
Frequently Asked Questions
About Mutual Fund Returns & Tax
Everything you need to know about SIP vs Lumpsum, SWP payouts, STP transfers, CAGR formulas, and 12.5% LTCG tax rules.
100% Privacy Guaranteed
All investment calculations, SWP payouts, and tax estimates run locally in your browser memory. Zero financial data is sent to external servers.
SIP (Systematic Investment Plan) involves recurring monthly contributions. Lumpsum is a one-time single investment. SWP (Systematic Withdrawal Plan) allows you to withdraw a fixed income monthly while keeping the remaining balance invested. STP (Systematic Transfer Plan) transfers a set amount periodically from a source fund (e.g., liquid/debt) into a target fund (e.g., equity) to balance risk and returns.
As per the latest Indian Tax Budget guidelines, Long-Term Capital Gains (LTCG) on equity mutual funds held for over 1 year are taxed at 12.5% on gains exceeding ₹1.25 Lakh per financial year. Our tool estimates your tax liability and net post-tax corpus automatically.
Historically over a 10-15 year horizon in India, Large Cap funds yield ~12% CAGR, Mid Cap funds yield ~15% CAGR, Small Cap funds yield ~18% CAGR, Hybrid funds yield ~11% CAGR, and Debt funds yield ~6-7% CAGR. Our tool includes quick 1-click preset buttons for all categories.
In SWP mode, if your expected annual mutual fund return rate (e.g., 10%) is higher than your annual withdrawal rate (e.g., 6%), your capital continues to grow even while providing you with monthly passive income, preventing premature capital depletion.
Yes! In Hybrid SIP + Lumpsum mode, you can enter both an initial lump sum deposit and a recurring monthly SIP installment. The engine compounds both simultaneously for accurate overall future wealth calculation.
Yes, 100% private. All calculations run strictly in your browser using local client-side JavaScript math logic. Zero financial data is ever sent to external cloud servers.
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