FD vs debt fund vs equity calculator.
Compare after-tax outcomes under tax and return assumptions you choose.
FD vs debt fund vs equity inputs
All rates and allowances are editable examples, not a tax-law determination. FD interest is taxed annually from the investment; fund gains are taxed only at exit. FD tax drag includes foregone compounding. No loss relief, surcharge, cess, indexation or interim fund distributions are modelled. Returns and risks differ; this is not a product recommendation.
View detailed breakdown
| Asset | Before tax | After tax | Tax / tax drag |
|---|---|---|---|
| Fixed deposit | ₹1,40,255.17 | ₹1,27,021.56 | ₹13,233.61 |
| Debt fund | ₹1,40,255.17 | ₹1,28,178.62 | ₹12,076.55 |
| Equity fund | ₹1,61,051.00 | ₹1,53,419.63 | ₹7,631.38 |
How this fd vs debt fund vs equity calculator works
Tax timing affects compounding. This scenario taxes FD interest annually from the invested balance, while debt and equity fund gains are taxed at exit. An unused equity gain allowance can reduce taxable exit gains. Displayed FD tax drag includes growth lost to annual tax payments.
A worked example
At 100,000 principal, 10% return and a 30% tax rate for one year, annual interest tax leaves 107,000. A fund taxed at exit at the same rate also leaves 107,000; longer horizons can differ.
Are the example rates the tax rules for my investment?
No. Acquisition dates, fund classification, holding periods and your circumstances matter. Enter applicable effective rates and unused allowance. The model excludes loss relief, surcharge, cess and indexation and does not rank investment suitability.
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