Post-Tax Returns Calculator
Compare actual returns after tax for FD, equity, mutual funds, and more
Investment Details
Tax rate applied: 30% · Slab rate
FD interest is taxed as income at your slab rate every year, not as a capital gain. TDS applies once interest crosses ₹50,000 a year (₹1,00,000 for senior citizens).
Rates as per Union Budget 2026 (no change to rates) · Income-tax Act, 2025 · verified 2026-08-13. Figures apply to tax year 2026-27. The Income-tax Act, 2025 replaced the 1961 Act on 1 April 2026 and renumbers sections; rates are unchanged. This tool is an estimate, not tax advice.
Gross Returns (Before Tax)
Net Returns (After Tax)
Detailed Breakdown
Return Comparison
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, every year
- • Equity LTCG: 12.5% above ₹1,25,000 a year (>12 months)
- • Equity STCG: 20% flat (≤12 months)
- • Debt MF: always slab rate for units bought on or after 1 Apr 2023, however long you hold
- • Gold: 12.5% after 24 months, slab rate before that
- • PPF/EPF/NPS Tier 1: Tax-free at maturity
Budget 2024 changed all of these with effect from 23 July 2024 — it removed indexation, raised equity rates, and abolished the 36-month holding category.
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
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