FD vs Mutual Fund Calculator

Guaranteed vs Market-Linked Returns

Monthly Investment (₹)

₹

Please enter an amount.

Investment Period (Years)

Enter a period between 1 and 40 years.

FD Interest Rate (%)

Expected Mutual Fund Return (%)

FD taxed at your slab; equity fund gains at 12.5% LTCG over ₹1.25L.

Your Income Tax Slab (for FD interest)

₹—

Fixed Depositguaranteed

₹—

Mutual Fundmarket-linked

Invested

FD gains

Fund gains

Comparison

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Fixed Deposit

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Invested—

Interest earned—

After tax—

Mutual Fund

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Invested—

Est. gains—

After tax—

Good to know

An FD gives a fixed, guaranteed return; a mutual fund is market-linked and can go up or down.
The mutual fund figure uses your expected return — actual returns are not guaranteed and past performance is not indicative.
FD interest is taxed at your income slab; equity fund gains held over a year are taxed at 12.5% above ₹1.25 lakh a year.
FDs suit short-term, safety-first goals; mutual funds suit long-term goals where you can accept some risk.

* Illustrative estimate, not investment advice. Mutual fund returns are subject to market risk — read scheme documents carefully.