# Mutual Fund Returns Calculator: SIP or Lumpsum, After Tax > Mutual fund returns calculator for SIP or lumpsum: estimated value, gains and capital gains tax on redemption for equity or debt funds in FY 2026-27. Source: https://trykosh.com/tools/mutual-fund-returns-calculator Free tool - Investing # Mutual fund returns calculator Estimate what a mutual fund investment could be worth, and what you'd keep after tax if you redeemed it. Works for a SIP or a lump sum, in an equity or debt fund. Rules checked 25 October 2026Free - no sign-upRuns in your browser Estimated value after 10 years INR 34,85,086 About INR 32,81,328 after tax if you redeem it all at once You invest**INR 18,00,000** Estimated gains**INR 16,85,086** Tax on redemption**INR 2,03,758** Invested **INR 18,00,000**Gains after tax **INR 14,81,328**Tax **INR 2,03,758** Long-term gain (held over 12 months) INR 16,72,946 − Exempt up to INR 1.25 lakh a year INR 1,25,000 Tax at 12.5% + cess INR 2,01,233 Short-term gain (last 12 months' units) INR 12,140 Tax at 20% + cess INR 2,525 Value after tax INR 32,81,328 Mutual fund investments are subject to market risks. Past returns don't guarantee future ones; the rate here is an assumption. ## Upload your statement and Kosh does this for you. Upload your statements and Kosh tracks every SIP, FD and deposit in one place, and shows how far you are from each goal. [Start free](/signup?via=tool-mutual-fund-returns-calculator) ## How the mutual fund returns calculator works Pick how you invest, a monthly SIP or a one-time lump sum, and enter an assumed yearly return and the period. SIPs are grown monthly with instalments at the start of each month; lump sums are grown yearly, the way fund CAGRs are quoted. The calculator then estimates the tax if you redeemed everything at the end of the period in one financial year, using FY 2026-27 rules. For an equity fund (one with at least 65% in Indian shares) it checks each SIP instalment's holding period: units held over 12 months are long-term, taxed at 12.5% on gains above INR 1.25 lakh; units from the last 12 months are short-term, taxed at 20%. 4% cess is added. For a debt fund bought on or after 1 April 2023, all gains are added to your income and taxed at your slab rate, however long you held the units. Pick your slab and the calculator applies it. The return is an assumption; fund NAVs are already net of expenses, so don't deduct the expense ratio again. Surcharge, exit loads and gains from other investments in the same year aren't included. Tax (equity) = 12.5% x max(0, LTCG − INR 1.25 lakh) + 20% x STCG, plus 4% cess LTCG gains on units held more than 12 months STCG gains on units held 12 months or less ## Worked example: Lakshmi's INR 8 lakh lump sum Lakshmi, 41, invests INR 8 lakh in an equity fund and assumes 11% a year. After 7 years it could be worth about INR 16.61 lakh. If she redeems it all in one go, the first INR 1.25 lakh of gain is tax-free and the rest is taxed at 12.5% plus cess: about INR 95,671. She'd keep roughly INR 15.65 lakh, a post-tax return of 10.06% a year. Estimated value after 7 years INR 16,60,928 About INR 15,65,257 after tax if you redeem it all at once You invest**INR 8,00,000** Estimated gains**INR 8,60,928** Tax on redemption**INR 95,671** Invested **INR 8,00,000**Gains after tax **INR 7,65,257**Tax **INR 95,671** Long-term gain (held over 12 months) INR 8,60,928 − Exempt up to INR 1.25 lakh a year INR 1,25,000 Tax at 12.5% + cess INR 95,671 Short-term gain (last 12 months' units) INR 0 Tax at 20% + cess INR 0 Value after tax INR 15,65,257 Post-tax return works out to 10.06% a year. Mutual fund investments are subject to market risks. Past returns don't guarantee future ones; the rate here is an assumption. [Load this example into the calculator ->](?mode=lump&amount=800000&rate=11&years=7#calculator) ## Good to know - Redeeming in parts across two or more financial years lets you use the INR 1.25 lakh long-term exemption each year. - Selling and immediately reinvesting long-term units each year to use the exemption (tax harvesting) resets your cost and can lower future tax. Watch exit loads when you do it. - Equity fund LTCG of up to INR 1.25 lakh is exempt, but the 87A rebate can't be used against tax on capital gains taxed at these special rates. - Hybrid funds are taxed like equity only if they hold at least 65% in Indian equity. Many balanced and multi-asset funds don't. ## Frequently asked questions How are mutual fund returns calculated? For a lump sum, by compounding the amount at the yearly return for the number of years. For a SIP, by growing each monthly instalment for its own holding period and adding them up. To measure a fund you already hold, use CAGR for a lump sum and XIRR for a SIP. How much tax do I pay on mutual fund returns? For equity funds: 12.5% on long-term gains above INR 1.25 lakh a year (units held over 12 months) and 20% on short-term gains, plus 4% cess. For debt funds bought after 1 April 2023: your slab rate, regardless of holding period. Are mutual fund returns guaranteed? No. Mutual fund investments are subject to market risks and past returns don't guarantee future ones. The return in this calculator is an assumption you choose. Is there TDS on mutual fund redemption? Not for resident individuals on capital gains. You report the gains in your return and pay any tax due yourself. Dividends (IDCW) above INR 10,000 a year from a fund house do attract 10% TDS. ## Sources and assumptions - [Income Tax Department](https://www.incometax.gov.in/) - [SEBI investor education](https://investor.sebi.gov.in/) Rules and rates last checked on 25 October 2026. Results are estimates for planning and education, not tax, legal or investment advice. Kosh is an educational financial planning tool by Primedepth Labs. It is not a SEBI-registered investment adviser and does not offer personalised investment advice, hold your money or execute trades. Markets carry risk; read scheme documents carefully and consult a registered adviser before acting.