The Growth Ledger
Same discipline, different destination — one monthly amount, across a Bank FD, Gold, and an Equity Mutual Fund
Configure Comparison
Assumed Annual Returns
Long-run ballparks, editable. Equity carries higher risk and swings more year to year — the calm line here is a long-horizon average, not a promise.
Same ₹5,000/month, same 22 years. The Equity Mutual Fund finishes 2.0× the Bank FD — a difference of ₹30.71 L.
Run the Years
How the same monthly discipline diverges over time
Invested vs Gained vs Final
Everyone put in the same amount — the difference is entirely in what it grew to
Reading the Ledger
This is not about picking the “best” place for everything — an FD is liquid and stable, gold is a hedge, and equity is a long-horizon growth engine, each with a different job. What the ledger 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. Shorter goals and emergency money still belong in safer, liquid options.
Illustrative only, using the beginning-of-month SIP method with the returns you enter. After-tax view assumes FD interest taxed every year at your chosen slab (the yearly drag compounds); equity MF and gold taxed only on redemption — equity LTCG at 12.5% above the ₹1.25 lakh yearly exemption, gold at 12.5% with no exemption (FY 2025-26). 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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