Analyze your Indian investments after tax and inflation.
Enter the expected average annual inflation rate over your investment period. (Used for FD/MF Real Return)
Fixed Deposit (FD) Calculator
Select the slab applicable to your total income (excluding cess/surcharge).
Calculation Results:
Maturity Amount (Pre-Tax):
Total Interest Earned:
Estimated Tax Liability:
Maturity Amount (Post-Tax):
Post-Tax Nominal Return (CAGR):
Real Return Rate (Post-Tax, Post-Inflation):
Investment Growth (Pre-Tax)
FD Insights (India)
FDs offer fixed, predictable returns, making them relatively safe compared to market-linked investments.
Interest earned is added to your 'Income from Other Sources' and taxed annually at your applicable income tax slab rate.
Banks deduct TDS (Tax Deducted at Source) at 10% if interest exceeds ₹40,000 (₹50,000 for senior citizens) in a financial year. Your final liability depends on your slab.
Compounding frequency matters: More frequent compounding (e.g., quarterly) leads to slightly higher returns than yearly compounding.
Inflation significantly erodes the purchasing power of fixed returns. Always consider the real return after inflation.
Mutual Fund (SIP) Calculator (Equity Funds)
Estimate potential returns and tax (Equity Fund rules with hypothetical rates) for SIP investments.
SIP (Systematic Investment Plan): Invest a fixed amount regularly, benefiting from rupee cost averaging (buying more units when prices are low, fewer when high). Ideal for disciplined long-term investing.
Expense Ratio: An annual fee charged by the fund house, directly reducing your returns. Lower is generally better for long-term growth.
Taxation (Equity Funds - Assumed Here): STCG (< 1 yr holding) taxed at 20%. LTCG (> 1 yr holding) taxed at 12.5% on gains exceeding ₹1 lakh per financial year. (Note: Tax applies per SIP installment's holding period, simplified here based on total duration).
Disclaimer: These tax rates (12.5% LTCG, 20% STCG) are hypothetical based on user request and may not reflect current official Indian tax laws.
Debt Funds have different tax rules (often taxed at slab rate). This calculator assumes Equity fund rules.
Returns are not guaranteed and depend on market performance. CAGR for SIP is complex and not calculated here.
Mutual Fund (Lumpsum) Calculator (Equity Funds)
Estimate potential returns and tax (Equity Fund rules with hypothetical rates) for Lumpsum investments.
Mutual Fund (Lumpsum) Insights (Hypothetical Rates)
Lumpsum: Invest a large amount at once. Market timing can impact returns significantly compared to SIP.
Expense Ratio: An annual fee charged by the fund house, directly reducing your returns. Lower is generally better for long-term growth.
Taxation (Equity Funds - Assumed Here): STCG (< 1 yr holding) taxed at 20%. LTCG (> 1 yr holding) taxed at 12.5% on gains exceeding ₹1 lakh per financial year.
Disclaimer: These tax rates (12.5% LTCG, 20% STCG) are hypothetical based on user request and may not reflect current official Indian tax laws.
Debt Funds have different tax rules (often taxed at slab rate). This calculator assumes Equity fund rules.
Returns are not guaranteed and depend on market performance. CAGR is calculated for Lumpsum.