India's Real Return Calculator

What does your investment
actually return?

After tax. After inflation. The real number —
not what your bank tells you.

Quick Check — Your FD Real Return
FD Interest Rate7%
Your Tax Slab30%
Inflation Rate6%
Your Real Return
-1.04%
per year · after 30% tax & 6% inflation
⚠️ Losing purchasing power every year
See Full Comparison — FD vs RD vs MF →
−1.04%
Real return on 7% FD at 30% tax slab
+5.66%
Real return on 12% MF at 6% inflation
12 yrs
For ₹1L to halve in value at 6% inflation
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FD vs RD vs Mutual Funds
Compare all three side by side after tax and inflation. See what each actually returns in today's money.
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Want ₹1 Crore in 10 years? Find out exactly how much SIP you need — inflation-adjusted.
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Tax Regime Comparator
Old vs New tax regime — which saves you more this year? Personalised to your income and deductions.
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Did you know?
→At 30% tax slab, your 7% FD earns a real return of −1.04% after 6% inflation
→A ₹10K SIP for 15 years at 12% CAGR beats a ₹18L FD by ₹12.4L in real terms
→₹1 lakh today needs ₹3.2L in 20 years to buy the same things at 6% inflation
→PPF at 7.1% tax-free beats a 9% FD for anyone in the 20% or 30% tax slab

Why most Indians don't know their real return

Banks advertise 7% FD rates. Mutual funds show 12% CAGR. But nobody tells you what you actually keep after the government takes its share and inflation erodes the rest. realreturn.in shows you that number — clearly, honestly, in seconds.

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Everything calculated in your browser. Nothing stored.
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Built for India
Indian tax rules, LTCG, TDS, slab rates — all accurate.
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Instant results
Real-time calculations as you move the sliders.
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Unbiased
No product recommendations. Just honest math.