Rytvae Consulting · Think Right · Invest Right
Post-tax Return Calculator
Result
Chart
Show formula & working
FD: interest taxed every year at slab + cess · Debt fund: gain taxed at slab + cess on redemption · Equity fund: gain above ₹1.25 lakh taxed at 12.5% + cess · Gold ETF: 12.5% + cess if held over 12 months · PPF: tax-free
After-tax return = (value after tax ÷ amount)1/years − 1
Details
Capital gains tax rules for the tax year 2026-27: rates and rules as of 30-Mar-2026 · Source: Income-tax Act, 2025 ss.2(101), 73(7), 76, 196, 197, 198 (no change by the Finance Act, 2026). Every figure based on it stays editable.
Small savings interest rates, 1 Oct – 31 Dec 2026 (Q3 FY 2026-27): rates and rules as of 01-Oct-2026 · Source: Government of India OM F.No.1/4/2019-NS dated 30 Sep 2026 (Q3 rates unchanged from Q2), as published by Indian Bank; RD 6.7% and savings 4% from India Post. Every figure based on it stays editable.
How this works
Two products with the same headline return can leave very different amounts after tax. FD interest is taxed every year; a debt fund is taxed only when you redeem, so the money compounds untaxed meanwhile.
Equity funds and gold ETFs held longer than 12 months pay lower long-term rates; PPF is tax-free.
Frequently asked questions
Why does the debt fund beat the FD at the same return?
Tax is deferred until redemption, so the untaxed amount keeps compounding.
Is the equity exemption per fund?
No, ₹1.25 lakh a year in total across all long-term equity gains.
Is surcharge included?
No. Add it if your income is above ₹50 lakh.
Questions about your tax?
Talk to Rytvae about investments that fit your goals and your tax regime.