Mutual Fund Returns Calculator (Absolute & Annualised)
Find your actual mutual fund returns — both absolute and annualised (CAGR for lumpsum, XIRR-style for SIP) — from what you invested and what it is worth today.
Your Investment
Annualized Return
21.64%
Invested ₹1,00,000 → ₹1,80,000 · Gain ₹80,000
Total Invested
₹1,00,000
Current Value
₹1,80,000
Absolute Return
80.00%
Annualized (CAGR)
21.64%
How It Works
Two numbers describe how a mutual fund investment performed, and they can be very different. Absolute return is simply the total percentage gain — current value versus what you put in — but it ignores time, so a 50% gain over one year and over ten years look identical. Annualised return fixes this. For a one-time lumpsum, it is the CAGR: the steady yearly rate that turns your investment into its current value. For a SIP, where money went in over many months, the right measure is XIRR — the single annual rate that reconciles all the dated instalments with today’s value; this calculator solves it numerically. Annualised return is what you should use to compare funds or against benchmarks, because it puts investments of different sizes and durations on an equal footing. Enter what you invested (a lumpsum or a monthly SIP), the period, and the current value to see both figures.
Formula
Lumpsum: Absolute = (Current − Invested) ÷ Invested; CAGR = (Current ÷ Invested)^(1/years) − 1. SIP: XIRR-style annualised rate solved from the instalment stream.
Frequently Asked Questions
What is the difference between absolute and annualised return?
Absolute return is the total percentage gain regardless of time. Annualised return (CAGR or XIRR) is the per-year rate, which lets you compare investments held for different durations fairly. Always compare using annualised figures.
What is XIRR for a SIP?
XIRR is the annualised return that accounts for the timing of each SIP instalment. Because each instalment is invested for a different length of time, a simple CAGR is wrong for SIPs — XIRR is the correct measure, and this calculator approximates it.
How do I calculate lumpsum mutual fund returns?
Absolute return = (current value − invested) ÷ invested. CAGR = (current ÷ invested)^(1 ÷ years) − 1. Enter your amount, holding period and current value and the calculator shows both.
Why is my absolute return high but annualised low?
Because of time. A 100% absolute gain sounds large, but if it took 10 years the annualised return is only about 7.2%. Annualised return reveals the true yearly performance behind a big-looking total.
What is a good mutual fund return?
It depends on the fund type and period. Historically, diversified equity funds in India have delivered roughly 10–13% annualised over the long term, and debt funds less. Compare your fund’s annualised return to its benchmark and category.