Investment Comparison Calculator
Compare returns from FD, SIP, Gold, Real Estate, PPF, and NSC side-by-side to make informed investment decisions
Investment Details
Initial lump sum amount
Expected Annual Returns (%)
🏠
Best Option
Real Estate
Total Returns
₹1,61,051
Net Gain
₹61,051
Tax Liability
₹7,326
Post-Tax Returns
₹1,53,725
🏠
Real Estate
10.00% p.a.
#1
Investment₹1,00,000
Total Returns₹1,61,051
Net Gain₹61,051
Tax Liability-₹7,326
Post-Tax Returns₹1,53,725
🔒
PPF
7.10% p.a.
Investment₹1,00,000
Total Returns₹1,40,912
Net Gain₹40,912
Tax Liability-₹0
Post-Tax Returns₹1,40,912
🪙
Gold
8.00% p.a.
Investment₹1,00,000
Total Returns₹1,46,933
Net Gain₹46,933
Tax Liability-₹7,040
Post-Tax Returns₹1,39,893
📈
SIP (Equity Mutual Funds)
12.00% p.a.
Investment₹1,00,000
Total Returns₹1,37,477
Net Gain₹37,477
Tax Liability-₹0
Post-Tax Returns₹1,37,477
🏦
NSC
7.70% p.a.
Investment₹1,00,000
Total Returns₹1,44,903
Net Gain₹44,903
Tax Liability-₹13,471
Post-Tax Returns₹1,31,432
🏦
Fixed Deposit
7.00% p.a.
Investment₹1,00,000
Total Returns₹1,40,255
Net Gain₹40,255
Tax Liability-₹12,077
Post-Tax Returns₹1,28,179
Key Insights
- •PPF offers tax-free returns (EEE status) and is government-backed
- •SIP in Equity MF has higher growth potential but comes with market risk
- •Real Estate requires large capital and has lower liquidity
- •Gold acts as a hedge against inflation and economic uncertainty
- •FD & NSC provide guaranteed returns but interest is taxable
Understanding Different Investment Options
🏦 Fixed Deposit (FD)
Safety: Very High | Returns: 6-8% p.a.
- ✓ Government-insured up to ₹5 lakh
- ✓ Guaranteed returns
- ✗ Interest is taxable
- ✗ Lower returns than equity
📈 SIP (Equity Mutual Funds)
Safety: Moderate | Returns: 10-15% p.a.
- ✓ Higher growth potential
- ✓ LTCG tax benefit (10% above ₹1L)
- ✗ Market-linked (risk of loss)
- ✗ Requires 5+ year horizon
🪙 Gold
Safety: High | Returns: 8-10% p.a.
- ✓ Hedge against inflation
- ✓ High liquidity
- ✗ LTCG tax at 20% (with indexation)
- ✗ No regular income
🏠 Real Estate
Safety: Moderate | Returns: 8-12% p.a.
- ✓ Tangible asset
- ✓ Rental income potential
- ✗ High capital requirement
- ✗ Low liquidity
🔒 Public Provident Fund (PPF)
Safety: Very High | Returns: 7-7.5% p.a.
- ✓ Tax-free returns (EEE)
- ✓ Government-backed
- ✗ 15-year lock-in
- ✗ Max ₹1.5L per year
🏦 National Savings Certificate (NSC)
Safety: Very High | Returns: 7-8% p.a.
- ✓ Government-backed
- ✓ 80C deduction available
- ✗ Interest is taxable
- ✗ 5-year lock-in
Investment Strategy Tips
🎯 Diversification
Don't put all eggs in one basket. Spread across multiple asset classes to reduce risk.
⏳ Time Horizon
Longer investment period allows for higher equity exposure and better compounding.
💰 Risk Appetite
Choose based on your age, goals, and risk tolerance. Conservative → FD/PPF, Aggressive → SIP
📊 Regular Review
Review portfolio annually and rebalance based on performance and changing goals.