Mutual Fund Calculator

A mutual fund is a vehicle that pools money from many investors to be invested collectively in a securities portfolio — e.g. stocks, bonds, and money-market instruments — by a licensed investment manager supervised by OJK.

Each investor holds participation units, and the value of each unit is called the Net Asset Value (NAV) per unit, calculated every trading day based on the prices of the assets in the portfolio. Investor assets are held separately at a custodian bank, not at the investment manager.

There is no one-size-fits-all answer — they are just two different ways of putting money in. A lump sum puts the entire capital to work from day one, but the end result is more sensitive to market conditions at the time the money goes in.

SIP splits the capital into equal monthly contributions so unit purchases are spread across different NAV prices over time. This calculator uses the beginning-of-month contribution convention. Past performance does not guarantee future results.

NAV per unit is the price of one mutual fund participation unit. It is calculated every trading day from the portfolio's total asset value minus liabilities, divided by the number of units outstanding.

Example: if you invest Rp1,000,000 when the NAV per unit is Rp1,250, you receive 800 units. Your gain or loss is reflected in the rise and fall of the NAV, not in the number of units.

The expense ratio is the annual management fee charged by the mutual fund, expressed as a percentage of assets under management — e.g. 1.5% per year. This fee is deducted from the fund's assets daily so it is reflected in the NAV, not billed separately to investors.

A small difference in expense ratio has a large impact over the long run. In the comparator mode on this page you can compare two mutual funds with different returns and expense ratios to see the impact in rupiah.

The following information is current as of 9 October 2026 and may change — this is general information, not tax advice. Profit distributions to unit holders, including gains when reselling (redeeming) units, are not subject to Income Tax under Article 4 paragraph (3) of the Income Tax Law.

Tax is instead levied at the fund level: bond interest received by OJK-registered mutual funds is subject to 10% final income tax since 2021 (GR 100/2013 in conjunction with GR 55/2019; previously 5% for 2014–2020). This tax is deducted before it reaches the NAV, so investors do not pay it separately.

In addition, transaction fees for purchasing, switching, and redeeming units are subject to 11% VAT since 1 April 2022 (HPP Law No. 7/2021). Mutual fund holdings must still be reported as assets in the Annual Tax Return. If in doubt, consult a tax advisor.

ELSS (Equity Linked Savings Scheme) is an India-specific mutual fund scheme offering Section 80C tax deductions with a 3-year lock-in — a feature Indonesian mutual funds do not have.

This calculator computes projections for general mutual funds: lump sum, monthly SIP, comparison of two mutual funds by return and expense ratio, and a target-amount solver. If you invest in an Indian ELSS scheme, use our ELSS calculator.

Mutual fund values can go up and down. NAV follows the prices of the underlying assets, so your invested principal can shrink. Common risks listed in the prospectus include market risk (stock or bond prices falling), liquidity risk, bond issuer default risk, and regulatory-change risk.

Mutual funds are not bank deposits and are not covered by LPS deposit insurance. The projections on this page use the return assumption you enter yourself — those figures are a mathematical illustration, not a promise of results. Never invest money whose loss you cannot afford, and read the prospectus before buying.