📊 Input Parameters
🧮 Magic Formula ✨
Post-Tax Return = FD Rate × (1 - Tax Rate)
Real Return = Post-Tax Return - Inflation Rate
🎯 Your Amazing Results
🎊 Gross Annual Return
7.00%
💸 Tax Amount (Annual)
₹1,400
💰 Post-Tax Return
5.60%
🔥 Real Return (After Inflation)
-0.40%
🎁 Maturity Amount
₹1,40,255
💎 Real Value (Today's Power)
₹1,04,774
| 🏛️ Tax Slab | 💰 Post-Tax Return | 🔥 Real Return | 📊 Status |
|---|
💡 Smart Investment Tips & Alternatives 🚀
🛡️ Tax-Free Superstars
🌟 Consider PPF (7.1% tax-free), NSC, or ELSS mutual funds for better tax-adjusted returns that actually beat inflation!
🎨 Diversification Magic
🎯 Don't put all eggs in one basket! Mix FDs with equity mutual funds, gold, and real estate for ultimate inflation protection.
⏰ Laddering Strategy
🎪 Split FDs across different tenures to benefit from changing interest rates - it's like having multiple shots at success!
🚨 Emergency Fund First
🏠 Keep 6-12 months expenses in FDs/liquid funds for emergencies, then invest the rest for growth - safety first, growth second!