The Growth Ledger
Same money, same plan — invest a lump sum, run an SIP, even withdraw (SWP), and see how it lands in a Bank FD vs Gold vs Silver vs an Equity Mutual Fund
Build the Plan
Opening lump sum today (optional)
How long the money stays invested
Assumed Annual Returns
Long-run ballparks, editable. Equity and metals swing more year to year — these are long-horizon averages, not promises.
Investments & Withdrawals
1/8After this, the corpus keeps growing to the end
Same plan over 20 years: the Equity Mutual Fund finishes 2.4× the Bank FD — a difference of ₹26.50 L.
The Journey, Year by Year
How the same plan diverges over time
Where the Same Money Lands
Final value in each — same plan, different destination
Reading the Ledger
Each asset has a different job — an FD is liquid and stable, gold and silver are hedges, and equity is a long-horizon growth engine. What this shows is the cost of playing it too safe for money you won't need for many years: over long periods, the equity route's compounding — and its single, deferred taxation — usually leaves the disciplined investor with meaningfully more. Short-term goals and emergency money still belong in safer, liquid options.
Illustrative only, month-by-month, using the returns you enter. After-tax view: FD interest taxed each year at your slab (the drag compounds); equity, gold and silver taxed only on redemption — equity LTCG 12.5% above the ₹1.25 lakh yearly exemption, gold & silver 12.5% with no exemption (FY 2025-26). SWP withdrawals are shown pre-tax and redemption tax is applied to the corpus remaining at the end. Surcharge, cess, indexation and staggered redemptions are excluded for simplicity.
Calculator results are for illustration purposes only. Actual returns may vary based on market conditions, fund performance, and other factors. Mutual fund investments are subject to market risks. Read all scheme-related documents carefully before investing. Past performance does not guarantee future returns.
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