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.
Rate Assumptions (editable)
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
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
तुमचे पैसे कुठे सर्वाधिक वाढतील?
हे प्रत्येक पर्यायाने प्रत्यक्षात दिलेल्या परताव्याच्या दरावर आणि तुम्ही निवडलेल्या कालावधीवर पूर्णपणे अवलंबून असते — जे कोणीही निश्चितपणे सांगू शकत नाही. हा कॅल्क्युलेटर तुम्हाला बचत खाते, एफडी, सोने आणि म्युच्युअल फंड एसआयपीसाठी स्वतःचे दर गृहीतक टाकून चक्रवाढीचा परिणाम एकत्र पाहण्याची सुविधा देतो. हा कोणत्याही पर्यायाचा प्रत्यक्ष परतावा भाकीत करत नाही किंवा त्याची हमी देत नाही.
एकाच मासिक रकमेसाठी बचत खाते, एफडी, सोने आणि म्युच्युअल फंड एसआयपीचे निकाल वेगळे का दिसतात?
चारही पर्यायांमध्ये गुंतवलेली मासिक रक्कम (मुद्दल) समान आहे — फक्त गृहीत धरलेला परताव्याचा दर वेगळा आहे. हा कॅल्क्युलेटर चारही ॲसेट क्लाससाठी समान फ्यूचर-व्हॅल्यू चक्रवाढ सूत्र वापरतो, त्यामुळे फक्त तुम्ही प्रत्येकासाठी टाकलेला दर हाच बदलणारा घटक आहे.
या कॅल्क्युलेटरवरील डीफॉल्ट दर हमीशीर आहेत का?
नाही. दाखवलेले सर्व दर हे संपादनयोग्य प्रारंभिक गृहीतक आहेत, भाकीत किंवा हमी नाहीत. बचत खाते आणि एफडी दर बँकेनुसार आणि वेळेनुसार बदलतात. सोने आणि म्युच्युअल फंड परतावा बाजाराशी निगडित असून चढउतार होतात आणि हमीशीर नाहीत. म्युच्युअल फंड गुंतवणूक ही बाजार जोखमीच्या अधीन आहे; गुंतवणूक करण्यापूर्वी सर्व योजना संबंधित कागदपत्रे काळजीपूर्वक वाचा.
म्युच्युअल फंड एसआयपीचा निकाल एका संख्येऐवजी श्रेणीत (रेंज) का दाखवला आहे?
इक्विटी म्युच्युअल फंड परतावा फंड, प्रकार आणि बाजार चक्रानुसार मोठ्या प्रमाणात बदलतो, त्यामुळे एकच निश्चित संख्या दिशाभूल करणारी ठरू शकते. एक श्रेणी दाखवल्याने (संपादनयोग्य, डीफॉल्ट 10–12% वार्षिक) हे स्पष्ट होते की हे एक उदाहरणादाखल पट्टा आहे, हमीशीर आकडा नाही.
हा कॅल्क्युलेटर गुंतवणूक सल्ला आहे का?
नाही. हे केवळ शैक्षणिक, उदाहरणादाखल साधन आहे. हे वैयक्तिकृत गुंतवणूक सल्ला, शिफारस किंवा कोणत्याही विशिष्ट उत्पादनात गुंतवणुकीसाठी आग्रह नाही. तुमच्या ध्येयांनुसार आणि जोखीम प्रोफाइलनुसार सल्ल्यासाठी SEBI-नोंदणीकृत सल्लागार किंवा AMFI-नोंदणीकृत म्युच्युअल फंड वितरकाचा सल्ला घ्या.
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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.
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Asset Comparison
Savings vs FD vs Gold vs Mutual Fund SIP
