Project mutual fund SIP returns, or work out the compound annual growth rate of any investment.
"Expected annual return" is a number you choose based on the fund category (money market, income, or equity) — this calculator doesn't know or fetch any real fund's actual historical performance. Past returns don't guarantee future ones.
CAGR smooths returns into a single annual rate — useful for comparing a stock, gold, mutual fund, or property purchase on equal footing, even though the real year-by-year path was probably uneven.
SIP Future Value uses the standard compounding annuity formula: FV = P × [((1+i)ⁿ − 1) / i] × (1+i), where P is your monthly investment, i is the monthly return rate, and n is the number of months.
CAGR = (Ending Value ÷ Starting Value)(1/years) − 1. It answers "what single constant annual growth rate would have produced this result," which is different from your average year-over-year return if performance was volatile.
It depends on the fund category: money market funds are typically lower and steadier, income funds moderate, equity funds higher but more volatile. Check the specific fund's historical performance (not guaranteed to repeat) rather than guessing, and consider running the numbers at more than one rate to see the range of outcomes.
Not necessarily. CAGR is a smoothed number — if your investment went up 40% one year and down 10% the next, CAGR gives you the single steady rate that would produce the same end result, not what actually happened year to year.
No, these are nominal (before-inflation, before-tax) figures. Mutual fund gains in Pakistan may be subject to capital gains tax depending on holding period and fund type — factor that in separately when comparing your real return.