Index Fund Calculator

The Index Fund Calculator is a free online tool that can help you estimate the potential future wealth you will accumulate by investing in index funds. This mutual fund calculator can help you estimate how much

Monthly SIP Amount

20k

Expected Return Rate (p.a.)

SIP Period

Calculate SIP

You Get

Total Invested

₹ 24.00 Lakhs

Wealth Gained

₹ 22.47 Lakhs

Maturity amount

₹ 46.47 Lakhs

Wealth Created

Wealth Gained48.35 %Total Investment51.65 %

Download EXCEL

Years

Investment Amount

Estimated Returns

Maturity Amount

₹ 2,40,000

₹ 16,187

₹ 2,56,187

₹ 4,80,000

₹ 64,864

₹ 5,44,864

₹ 7,20,000

₹ 1,50,153

₹ 8,70,153

₹ 9,60,000

₹ 2,76,697

₹ 12,36,697

₹ 12,00,000

₹ 4,49,727

₹ 16,49,727

₹ 14,40,000

₹ 6,75,141

₹ 21,15,141

₹ 16,80,000

₹ 9,59,580

₹ 26,39,580

₹ 19,20,000

₹ 13,10,531

₹ 32,30,531

₹ 21,60,000

₹ 17,36,430

₹ 38,96,430

₹ 24,00,000

₹ 22,46,782

₹ 46,46,782

Did you know?

10k/Month Invested Since 2004 would have been Rs.3.21Cr^@++ Now!

With Axis Max Life Savings Plans.

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Disclaimer:^@++Max Life’s NIFTY Momentum Quality 50 Fund (SFIN: ULIF03127/10/24MOMQUALITY104) is a passively managed Index Fund that mirrors NIFTY 500 Multicap Momentum Quality 50 Index, subject to tracking error. The fund value calculation is done by projecting historical returns of NIFTY 500 Multicap Momentum Quality 50 Index, after adjusting for all expenses (except tracking error) in Axis Max Life’s Online Savings Plan for a 30 year old male investing 10k per month for 10 years. The above values have been calculated assuming 24.9% p.a. gross investment returns as on 16/10/2024, which is the 10-year return of NSE's NIFTY 500 Multicap Momentum Quality 50 Index (backtested).

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Disclaimer

: ¹The assumed rate of return (4% p.a. and 8% p.a.) shown in the illustrative example are not guaranteed and they are not the upper or lower limits of what you might get back as the value of your policy depends on a number of factors including future investment performance | The amount shown is for 30-year-old healthy male, 15 years premium payment term, 30 years policy term with Axis Max Life Online Saving Plan (Unit Linked Non Participating Individual Life Insurance Plan | Life Insurance is available in this product)

An SIP ₹10,000 for 10 years invested in the below funds

Fund Name3 Year*5 Year*Since Inception*Maturity Amount

Midcap Momentum Index FundNew LaunchedNANANANA

New Launched

Nifty Midcap 150 Momentum 50^

3 Year*

38.77%

5 Year*

28.67%

Since Inception*

26.8%

Maturity Amount

₹ 1.5 Crore

Smallcap Index FundNANA20.84%NA

Nifty Midcap 250 quality 50

3 Year*

34.84%

5 Year*

24.11%

Since Inception*

18.23%

Maturity Amount

₹ 80 Lakh

High Growth Fund

3 Year*

30.40%

5 Year*

24.53%

Since Inception*

14.62%

Maturity Amount

₹ 80 Lakh

Growth Super Fund

3 Year*

15.91%

5 Year*

15.06%

Since Inception*

12.28%

Maturity Amount

₹ 80 Lakh

*Compounding is occurring monthly/quarterly/annually

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What is an Index Fund Calculator?

The Index Fund calculator combines two free tools - an SIP calculator and an investment goals calculator. The key function of the online index fund SIP calculator is to help you determine the maturity value of your systematic investments. The investment goals calculator, on the other hand, can help you determine how much you need to invest every month to reach a pre-determined investment goal. So, using the index fund calculator can help you refine your investment strategy so that you can maximize the potential returns by investing in Index Funds.

Index Fund Returns Calculation Formula

Knowing the future value of your investments can help you make better investment decisions. The online index fund calculator uses some key information to help you determine the growth of your index fund investments over time. The index fund returns calculation formula is:

FV = P × ((1 + r)ⁿ - 1) / r) × (1 + r)

In the above formula,

FV= Future value of investment

P = Individual investment via systematic investment plan

r = Expected rate of return from index fund investment

n = number of SIP installments

The below table shows the returns that you can get by investing in index funds for different investment amounts, rates of return and investment periods:

Monthly SIP Amount (Rs.)	Expected Rate of Return	Investment Period	Maturity Value (Rs.)
5000	12%	8 years	8.08 lakh
10000	14%	10 years	26.21 lakh
15000	10.5%	12 years	43.34 lakh
3000	11%	15 years	13.77 lakh
6000	14%	18 years	58.52 lakh

You can similarly use the Index Fund SIP calculator unlimited amount of times to estimate the future value of your investments.

The other variant of this calculator, the Index Fund investment goals calculator, uses a variant of the same formula which can be represented as:

P = FV / ((1 + r)ⁿ - 1) / r) × (1 + r)

In the above formula,

P = Monthly SIP Investment amount required

FV= Maturity Value of Investment

r = Expected rate of return

n = number of monthly SIP Investments

This is what the monthly SIP amount will be required to reach different investment goal amounts, expected rate of return and investment periods:

Investment Goal Amount (Rs.)	Expected Rate of Return	Investment Period	Monthly SIP Amount Required (Rs.)
5 lakh	12%	8 years	3095
15 lakh	14%	10 years	5723
28 Lakh	10.5%	12 years	9691
35 lakh	11%	15 years	7628
40 lakh	14%	18 years	4101

Similarly, you can use the Index Fund goals calculator to estimate the monthly SIP investment you will need in order to reach any investment goal for different investment periods and changing rates of returns.

How Does the Index Fund Return Calculator Work?

Index fund calculators in India are typically a combination of two calculators – a systematic investment plan calculator and an investment goal calculator. The former helps investors estimate future returns of their SIP investments made into index funds. Whereas, the latter can be used to estimate the size of monthly investments that will be required in order to reach an investment goal amount of the user’s choosing. That said, the calculation formula and methodology used by an index fund calculator is no different from a standard mutual fund SIP calculator or mutual fund investment goals calculator as the calculation is independent of the type of mutual fund one can invest in.

How to Use the Online Index Fund Calculator?

The free online index fund calculator uses some key data provided by the user to provide results that can help make informed financial decisions. However, the data input required and output varies depending on which calculator you are using.

Input & Output of the Index Fund SIP Calculator

The key input data that the index fund SIP returns calculator requires are:

Monthly SIP Amount
Expected annual rate of return
Investment Period

Based on the above input, the Index Fund Calculator will provide the user with the estimated maturity value of the index fund investment as output.

Input & Output of the Index Fund Investment Goal Calculator

The key input data that the index fund goal calculator requires are:

Investment goal amount
Expected annual rate of return
Investment Period

Based on the above input, the calculator provides the user with the monthly amount you will need invest each month in an index fund to reach your investment goal.

Benefits of Using the Index Fund Calculator

There are quite a few benefits of using an index fund calculator including its role as a key tool that helps in financial planning. The major ones that users should keep in mind when using this calculator include the following:

Estimate future returns accurately to help you determine the future worth of your investments
Easily calculate how much you need to invest every month in order to reach your investment goal
The online calculator gives results in seconds without the need for tedious calculations
The calculator can be used an unlimited number of times and its completely free
No chance of getting errors in calculation as the calculation is done automatically based on inputs provided

The combined impact of all the above benefits is that using the calculator can help you make better financial decisions. This can help you grow your wealth in the long term so that you are on track to achieve all your long-term investment goals.

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Frequently Asked Questions

ARN:PCP/IFC/04082023

Sources:

www.franklintempletonindia.com/investor/sip-calculator

mintgenie.livemint.com/news/personal-finance/how-long-should-you-stay-invested-in-index-funds-this-is-the-answer-151675775552999

cred.club/calculators/sip-calculator

www.motilaloswalmf.com/tools/goal-investment-calculator

www.dbs.com/digibank/in/invest/mutual-funds/mutual-fund-investment-calculator.page

www.mutualfundssahihai.com/en/what-are-index-funds

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