Choosing the right mutual fund can be challenging, especially with so many options available. A Mutual Fund Comparison Calculator makes the process easier by letting you evaluate and compare returns across multiple funds. This tool highlights which funds are truly delivering value, enabling you to invest wisely and build a stronger portfolio.
Table of Contents
“Compare two funds side-by-side on returns, costs, and growth to pick the better option.”
How to use Mutual Funds Comparison Calculator?
Suppose you’re trying to decide between two mutual funds: Fund A and Fund B. You invested ₹1,00,000 in both of them 5 years ago. Today, Fund A has grown to ₹1,90,000 while Fund B is worth ₹1,70,000. To find out which performed better, you can use this calculator by entering:
Initial Investment Amount: ₹1,00,000 (same for both funds)
Final Value of Fund A: ₹1,90,000
Final Value of Fund B: ₹1,70,000
Investment Duration: 5 years
The calculator will compute and compare the CAGR (Compound Annual Growth Rate) for both funds, helping you identify which fund delivered better returns over time.
This tool is useful when evaluating past performance to make informed choices for future investments.
This calculator helps investors compare the historical performance of two or more mutual funds based on their beginning and ending values over a fixed period. It calculates and compares the CAGR of each fund, which standardizes returns over time and removes the effect of market timing.
Formula used in this Calculator? With explanation
The comparison is based on the CAGR formula:
CAGR = [(Final Value / Initial Value) ^ (1 / Number of Years)] – 1
Where:
Initial Value: The amount originally invested
Final Value: The value of the investment after a specific period
Number of Years: Duration of the investment
This formula gives you the average annual return of an investment, as if it had grown at a steady rate each year. It’s useful for comparing mutual fund returns over different time frames in a fair and standardized manner.
Understanding the benefits:
This calculator helps remove guesswork when choosing mutual funds. Comparing CAGR gives a clear picture of which fund has consistently performed better over time — instead of just looking at total return or short-term gains.
It enables you to make better decisions based on past performance, especially when building or rebalancing your portfolio. It’s also a helpful tool for long-term planning, since it adjusts for the effect of compounding.
However, past performance is not always an indicator of future returns. This calculator should be used as one part of your fund evaluation process, along with other metrics like expense ratio, portfolio holdings, fund manager history, and risk-adjusted returns.
For a comprehensive investment decision, consider speaking to a certified financial advisor who can guide you based on your individual risk appetite and goals.
Frequently Asked Questions (FAQ)
Q1. What does this calculator compare?
It compares the maturity value of two different mutual fund investments based on inputs you provide.
Q2. Why should I use this calculator?
It helps in choosing the fund that aligns better with your financial goals.
Q3. Can I compare SIP and lumpsum together?
Yes, you can compare two SIPs, two lumpsums, or one SIP vs one lumpsum.
Learn how to use the Financial Calculators to estimate future returns from your Investment Plans. Ideal for mutual fund investors.
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Disclaimer:
The MF Comparison Calculator provided on this page is designed to serve as an educational and informational tool only. It is intended to help investors understand the potential growth of their investments based on certain assumptions, such as expected rate of return, investment duration, and contribution amount. Please note that the results shown by this calculator are estimates and should not be considered as guaranteed outcomes or financial advice.
Mutual fund and market-linked investments are subject to market risks, and the actual returns may differ due to factors such as market fluctuations, fund performance, inflation, or changes in government policies. Users are advised to consult a qualified financial advisor or planner before making any investment decisions. Neither this website nor the calculator assumes responsibility for financial losses or decisions made solely based on the calculator’s output.