Where Would Your Money Grow?

See how the same monthly amount can grow differently depending on where it goes. Adjust the numbers to your own assumptions.

Monthly Investment (₹)

Duration (Years)

Rate Assumptions (editable)

Savings Account (% p.a.)

Fixed Deposit (% p.a.)

Gold (% p.a.)

Mutual Fund – Equity SIP (% p.a. range)

Min

Max

Figures shown are illustrative only, based on the rates you select, and are not a guarantee, projection, or promise of actual returns. Fixed Deposit, Gold, and Mutual Fund returns fluctuate and are not assured. Mutual Fund investments are subject to market risks; please read all scheme-related documents carefully before investing.

Educational tool — not investment advice. This calculator is provided by Meta Investment for general financial education only. It does not constitute personalised investment advice, a portfolio recommendation, or a solicitation to invest in any scheme or product. Results are illustrative and based solely on inputs entered by the user; they do not account for individual tax position, risk profile, investment horizon, or financial circumstances.

Mutual fund disclaimer: Mutual fund investments are subject to market risks. Please read all scheme-related documents carefully before investing. Past performance is not indicative of future returns.

Rate illustrations: Where a growth or return rate is shown, it is a simplified assumption included for illustrative purposes only. It is not guaranteed, not assured, and does not represent the historical or expected performance of any specific scheme, category, or asset class.

Distributor disclosure: Tushar Paturde (ARN-129322) is an AMFI-registered Mutual Fund Distributor. Meta Investment earns trail and upfront commissions on mutual fund transactions intermediated by it. These calculators are free educational resources; they do not constitute advice on or endorsement of any specific fund or product.

Tushar Paturde holds the CFP® designation (FPSB India, APRN 01448). Financial education provided through these tools does not constitute regulated investment advisory services. Meta Investment operates as a distributor, not as a SEBI-registered Investment Adviser. For personalised advice, consult a SEBI-registered adviser. For tax matters, consult a Chartered Accountant.

Version 1.0 | June 2026 | Regulatory disclosures

Why compare asset classes side by side?

The same monthly amount produces very different outcomes depending on where it's invested — not because of luck, but because of the rate of return each option earns and how compounding multiplies that difference over time. This calculator holds the monthly amount and duration fixed, and lets you change only the assumed rate for each asset class, so you can see the effect of the rate alone.

All four results use the same future-value compounding formula: FV = P × [(1 + r)ⁿ − 1] ÷ r × (1 + r), where P is the monthly amount, r is the monthly rate, and n is the number of months. Only the rate you enter changes between cards — this keeps the comparison fair.

Savings account and FD rates are set by banks and change over time. Gold and mutual fund returns are market-linked and fluctuate — the defaults shown are starting assumptions for you to adjust, not predictions.

Learn more about SIP → | Learn more about Gold investing → | Learn more about Fixed Income →

Frequently Asked Questions

Where would your money grow the most?

It depends entirely on the rate of return each option actually delivers over your chosen time period — which nobody can predict with certainty. This calculator lets you plug in your own rate assumptions for a Savings Account, Fixed Deposit, Gold, and Mutual Fund SIP so you can see the effect of compounding side by side. It does not predict or promise what any option will actually return.

Why do Savings Account, FD, Gold, and Mutual Fund SIP show different corpus values for the same monthly amount?

The monthly amount invested (the principal) is identical across all four — only the assumed rate of return differs. This calculator uses the same future-value compounding formula for all four asset classes, so the only variable changing between the four results is the rate you've entered for each.

Are the default rates on this calculator guaranteed?

No. All rates shown are editable starting assumptions, not predictions or guarantees. Savings account and FD rates vary by bank and change over time. Gold and mutual fund returns are market-linked, fluctuate, and are not assured. Mutual fund investments are subject to market risks; please read all scheme-related documents carefully before investing.

Why is the Mutual Fund SIP result shown as a range instead of one number?

Equity mutual fund returns vary widely depending on the fund, category, and market cycle, so a single point estimate can be misleading. Showing a range (editable, defaulting to 10–12% p.a.) makes clear this is an illustrative band, not a promised figure.

Is this calculator investment advice?

No. This is an educational, illustrative tool only. It does not constitute personalised investment advice, a recommendation, or a solicitation to invest in any specific product. For advice tailored to your goals and risk profile, consult a SEBI-registered adviser or an AMFI-registered mutual fund distributor.

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Disclaimer: Returns are not guaranteed or assured. The calculator's accuracy is not warranted. Before making any investment decisions, please seek advice from your financial advisors.