₹35,01,305 in today’s purchasing power
Compare choices · Free educational tool
Mutual Fund vs FD vs Gold vs Property Calculator
Compare two investment routes using return, inflation, tax, costs, liquidity, complexity and concentration—not headline CAGR alone.
Built for Indian investorsInstant resultsNo sign-up requiredAssumptions remain editable
Choose two investment routes
Tax, property and gold assumptions
Your after-tax comparison
₹26,01,545 in today’s purchasing power
Before tax → after tax
Equity mutual fund
Money you put in
₹34L
Illustrative growth
₹32.8L
Estimated tax
₹4.1L
After-tax value
₹62.7L
Value in today’s money
₹35L
Fixed deposit
Money you put in
₹34L
Illustrative growth
₹19.9L
Estimated tax
₹7.3L
After-tax value
₹46.6L
Value in today’s money
₹26L
What if you combine both?
Depends fully on Investment A
70% A + 30% B
50% A + 50% B
In simple words: combining routes can reduce dependence on one outcome, but the result still depends on both assumptions and does not guarantee lower loss or higher return.
Estimated value after tax
Return used after route costs10.2%7.0%
Estimated tax₹4,10,218₹7,29,215
Estimated route costs₹3,70,705₹0
How quickly can I exit?Usually redeemablePenalty may apply on early exit
What can go wrong?Large market ups and downsDepends on bank / issuer
Suitable holding periodUsually 7+ yearsMatch the maturity
How difficult is it?ModerateSimple
What does it depend on?Spread across companiesOne bank / issuer
The higher final number is not automatically the better choice
An FD can help with near-term stability. Equity may suit long-term growth where market falls are tolerable. Gold may diversify selected risks. Property can provide use and rent, but brings high costs, slow exit and single-location exposure.
Tax estimate used
Equity mutual fund: Long-term listed-equity estimate: 12.5% above the entered ₹1.25 lakh-style exemption balance. Surcharge, rebates, losses, set-off, grandfathering and transaction-specific exemptions are not modelled.
Reviewed 18 August 2026 · Capital-gains guide ↗ · Specified debt funds ↗ · Slabs and cess ↗Tax estimate used
Fixed deposit: FD interest estimated yearly at your 30% slab. Surcharge, rebates, losses, set-off, grandfathering and transaction-specific exemptions are not modelled.
Reviewed 18 August 2026 · Capital-gains guide ↗ · Specified debt funds ↗ · Slabs and cess ↗How is this calculated?
Each route first uses its own return and cost assumptions. FD interest is estimated at the selected slab during compounding. Equity, debt, gold, property and listed REITs use their own simplified exit-tax treatment. Property reduces investable capital for buying/selling costs and adds rent after vacancy. Actual cash flows and XIRR can differ.
Calculations are illustrative and intended for educational purposes only. Actual investment returns, inflation, taxation, costs and financial outcomes may differ materially. Nothing on this page constitutes investment, tax, legal or insurance advice. If you discuss an output on WhatsApp, do not share PAN, OTP, bank-account or transaction details. Read full disclaimer.
How to use this result
Understand the drivers—not only the final number.
Each route uses its own return, costs and tax treatment. FD interest uses the selected income-tax slab during compounding; other routes use a simplified holding-period and exit-tax estimate. The tool also shows 70/30 and 50/50 combinations.
- The higher number is not automatically the better investment.
- Compare after-tax value, purchasing power, exit difficulty and concentration together.
- Combining two routes can spread dependence, but it cannot guarantee a better result.
Learn more about this decision
Continue with the relevant framework.
Calculator FAQs
Short answers before you rely on the result.
Is property safer than mutual funds?
They have different risks. Property prices are not continuously quoted, but title, leverage, vacancy, concentration, costs and exit time still create risk.
Should I compare CAGR or XIRR?
CAGR suits one beginning and ending value. XIRR is generally more appropriate when cash flows occur on different dates.
How does the calculator estimate tax?
It applies separate simplified rules for listed equity, specified debt funds, FD interest, gold/property and tax-free or special-rule products. Your actual tax can differ by dates, product and personal tax position.
Are transaction costs important?
Yes. Stamp duty, registration, brokerage, making charges, expense ratios and exit costs can materially change net outcomes.