FD vs Mutual Fund Calculator – Tax Comparison

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🏦 FD vs Mutual Fund Calculator

Compare post-tax returns with accurate taxation rules

Investment Amount

Tenure (Years)

FD Rate (%)

Equity MF Return (%)

Your Tax Slab

Equity LTCG Rate (%) – Editable

LTCG Exemption (₹ Lakh)

Equity STCG Rate (%) – Editable

Investment Amount

Tenure (Years)

FD Rate (%)

Debt MF Return (%)

Your Tax Slab

Debt LTCG Rate (%) – Editable

📌 Taxation Rules (2025):

FD: Interest taxed as per your income tax slab (TDS deducted)
Equity MF LTCG: Holding > 1 year → ₹1.25L exempt, then 12.5% tax
Equity MF STCG: Holding ≤ 1 year → 20% tax on all gains
Debt MF LTCG: Holding > 2 years → 12.5% tax (no exemption)
Debt MF STCG: Holding ≤ 2 years → Tax as per your slab
All tax rates are editable for what-if scenarios
Consult a tax advisor for personalized advice