Post-Tax Returns Calculator
Calculate actual returns after tax for FD, equity, mutual funds, and more
Investment Details
₹
%
years
Tax Rate Applied:
30%
Gross Returns (Before Tax)
7.00%
Annual Return
Investment
₹1,00,000
Maturity
₹1,22,504
Net Returns (After Tax)
5.00%
Actual Annual Return
Tax Paid
₹6,751
Net Maturity
₹1,15,753
Detailed Breakdown
Investment Amount₹1,00,000
Holding Period3 years
Gross Gains₹22,504
Taxable Gains₹22,504
Tax Rate30%
Tax Amount- ₹6,751
Net Gains₹15,753
Return Comparison
Gross Annual Return7.00%
Net Annual Return5.00%
Tax Impact: Reduces your return by 2.00% annually
Understanding Tax on Returns
Different investments are taxed differently:
- • FD Interest: Fully taxable as per your income tax slab
- • Equity LTCG: 10% tax above ₹1 lakh (>1 year holding)
- • Equity STCG: 15% flat tax (≤1 year holding)
- • Debt MF LTCG: 20% with indexation (>3 years)
- • PPF/EPF/NPS Tier 1: Tax-free at maturity
Tax-Efficient Investing Tips
- •Hold equity for >1 year to get lower LTCG tax
- •Use PPF, ELSS, NPS for tax-free/tax-efficient returns
- •Harvest tax losses to offset capital gains
- •Consider tax-free bonds for higher tax slab investors
- •Compare post-tax returns, not just gross returns