Post-Tax Returns Calculator
What an FD, equity fund, debt fund, gold or PPF returns after tax, on the same figures
Return after tax
4.82% a year
- Value before tax
- ₹1,22,504
- Tax
- ₹7,349
- Value after tax
- ₹1,15,155
- Taxed as
- Interest, at your slab rate every year
FD interest is income, taxed each year as it accrues, so the tax is paid along the way rather than at maturity.
Every type at 7.00% before tax, 3 years
- Fixed deposit (yours)
- ₹1,15,155 · 4.82% a year
- Listed shares or equity funds
- ₹1,22,504 · 7.00% a year
- Debt mutual fund
- ₹1,15,483 · 4.92% a year
- Gold
- ₹1,19,579 · 6.14% a year
- PPF
- ₹1,22,504 · 7.00% a year
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.
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How this is calculated
Formula
value = P × (1 + r × (1 − t))ⁿ, t = slab × (1 + cess)
With your numbers
- 1Before taxP × (1 + r)ⁿ₹1,00,000 × (1 + 7.00%)^3 = ₹1,22,504
- 2TaxInterest, at your slab rate every year: ₹7,349
- 3Return after tax(value ÷ P)^(1/n) − 14.82% a year
Frequently Asked Questions
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