Fund Switch Calculator

Evaluate the net wealth benefit of moving from underperforming funds to better performing funds after exit load & taxes.

Current Investment Details

Current Investment Amount (₹)

₹

Current Fund Expected Return (% p.a.)8%

New Fund Details

Better Fund Expected Return (% p.a.)12%

Investment Period (Years)10 Years

Switch Costs

Exit Load (%)1%

Other Switch Costs / Expense Diff (₹)

Applicable Tax Rate on Capital Gains (%)10%

Switch Benefit Analysis

Total Benefit from Switching

₹0

0.00% extra wealth created

Percentage Benefit0.00%

Break-even Period0 years

Current Fund Future Value₹0

Better Fund Future Value₹0

Exit Load Cost- ₹0

Other Switch Costs- ₹5,000

Tax on Gains- ₹0

Evaluate Your Fund Switch Decision

Enter your current fund's performance, exit load, holding period, and the potential replacement fund's details. The calculator computes the tax impact of switching, break-even period for the new fund to recover switching costs, and projects the wealth difference over your remaining investment horizon.

Key Components

Current Fund Value: Existing market value.
Current Fund Returns: Expected return % of weak fund.
Alternative Fund Returns: Expected return % of better fund.
Switching Costs: Exit load + STCG/LTCG tax.
Investment Horizon: Time remaining in years.

How It Works

Compares net wealth trajectory:

Net Reinvested: Current Value - Exit Load - Tax
New Wealth: Net Reinvested × (1 + Better Return)ⁿ
Switch Benefit: New Wealth - Old Wealth