Does mutual-fund tax apply to the whole maturity amount?

No. The tax estimate first allocates units to acquisition lots and computes represented gain from redemption value minus acquisition cost. Fund classification, holding period and other gains in the year can change the tax.

Why does the calculator ask for a fund tax category?

Equity-oriented funds, specified funds acquired on or after 1 April 2023, and other funds can have different tax treatment. Choose only after checking the actual scheme classification and acquisition facts.

Are expense ratio, exit load and market volatility included?

No. The projection uses a constant return and excludes expense-ratio drag, stamp duty, exit load and the actual path of NAV changes. These can make the realised outcome lower or different.

Mutual Fund Calculator with Tax

Calculate projected lump-sum and SIP value, total gain and an optional tax-adjusted maturity estimate. Mutual-fund tax depends on fund classification, acquisition date, holding period and the units actually redeemed.

What this calculator answers

Enter your lump sum, SIP, step-up, expected return and duration to estimate future value. The tax section then uses the generated monthly acquisition lots instead of incorrectly taxing the entire maturity amount. Returns are illustrative and no calculator can predict a scheme’s actual performance.

Mutual fund return calculator

Model a lump sum, SIP or both. The return is an assumption, not a promised investment outcome.

Investment methodInvestment start dateInitial investmentINRMonthly SIPINRAnnual SIP step-up%Expected annual return%Investment periodyearsMonthly contribution timing

Total invested

₹20,09,347

Estimated value

₹44,37,136

Estimated gain

₹24,27,789

The model compounds a constant monthly return from a notional starting NAV of ₹100. It excludes market volatility, expense ratio, stamp duty and exit load. The projected purchase lots are passed to the optional tax estimate below.

Year-wise growth trajectory

Compare cumulative contributions with the constant-return projection.

Yr 1

Yr 2

Yr 3

Yr 4

Yr 5

Yr 6

Yr 7

Yr 8

Yr 9

Yr 10

InvestedEstimated value

Year	Invested	Estimated value	Estimated gain
1	₹6,20,000	₹6,91,506	₹71,506
2	₹7,46,000	₹9,13,704	₹1,67,704
3	₹8,78,300	₹11,70,807	₹2,92,507
4	₹10,17,215	₹14,67,579	₹4,50,364
5	₹11,63,076	₹18,09,403	₹6,46,327
6	₹13,16,230	₹22,02,364	₹8,86,134
7	₹14,77,041	₹26,53,336	₹11,76,295
8	₹16,45,893	₹31,70,085	₹15,24,192
9	₹18,23,188	₹37,61,383	₹19,38,196
10	₹20,09,347	₹44,37,136	₹24,27,789

Optional tax-adjusted maturity estimate

This section uses acquisition lots and redemption facts. It does not infer tax from a headline return percentage alone.

Fund tax categoryEarlier eligible equity LTCG this tax yearINREntered surcharge rate%

Redemption value

₹44,37,136

Acquisition cost

₹20,09,347

Short-term gain

₹12,555

Long-term gain

₹24,15,233

Estimated tax

₹3,00,342

After-tax redemption

₹41,36,794

Limitations

• Lots are consumed in purchase-date order for this estimate. Verify the identification method and statement data that apply to the actual holding.
• Capital losses are shown separately and are not automatically set off against gains because loss character, other transactions and filing conditions matter.
• Fund classification, holding period, transaction date and statutory conditions can change the final treatment.
• Exit load, stamp duty, brokerage, treaty relief, basic-exemption adjustment and return-specific rounding are outside this estimate.

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Frequently Asked Questions (FAQs)

It compounds the entered annual-return assumption monthly and creates a separate acquisition lot for the initial investment and each SIP instalment. The result is a scenario, not a guaranteed scheme return.