Our calculator helps you determine how much income you could generate by investing the same amount in a Fixed Deposit (FD) versus the Stock Market. You can customize the calculations based on your investment type — either lumpsum or monthly recurring investments.
A Fixed Deposit is a secure savings option offered by banks and NBFCs where you deposit a lump sum for a fixed tenure to earn a higher interest rate than a regular savings account. Investment periods typically range from 7 days to 10 years. Note: Premature withdrawals might incur a penalty.
A Savings Account allows regular deposits and withdrawals, offering lower interest rates (around 3–4%). In contrast, FDs lock your money for a fixed term but offer better interest rates and may provide tax benefits under Section 80C.
An RD allows you to deposit a fixed amount every month for a pre-determined period and earn interest similar to an FD. It's ideal for salaried individuals aiming to build disciplined savings.
The stock market is a platform where investors buy and sell shares, bonds, and other securities. It represents ownership in companies and the possibility of participating in their profits.
Investors earn money through:
While FDs offer safety, stock markets offer higher returns, better liquidity, and inflation-adjusted growth. There’s no lock-in period, and you can start with smaller amounts and grow gradually.
The choice depends on your financial goals, time horizon, and risk appetite:
Every investment option has its pros and cons. Use our calculator above to simulate your returns and make an informed choice. Diversifying between FDs and equities can also help balance risk and return.