FD + Mutual Fund Growth Calculator lets you invest in both FD and mutual funds, auto-adding monthly or quarterly FD interest into mutual funds to show combined compounding growth over time.

FD + Mutual Fund Growth Calculator

Maximize returns by investing FD interest in Mutual Funds

Initial Investment (₹) Lump sum amount invested in FD

FD Interest Rate (% p.a.) Current bank FD rates: ~6.5%-7.5%

FD Tenure (Years) Typically 1-10 years

Expected Mutual Fund Return (% p.a.) Equity funds: ~10-15%, Debt funds: ~6-9%

MF Investment Frequency Yearly (FD interest reinvested annually) Monthly (FD interest reinvested monthly) Quarterly (FD interest reinvested quarterly)

Tax Rate on FD Interest (%) 0% (No tax) 10% 20% 30% FD interest is taxable as per income slab

Calculate Growth

Projected Corpus Value

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Total FD Interest Earned

₹0

Total MF Value

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Effective CAGR

0%

Year-wise Growth

Year	FD Interest	MF Investment	MF Value	Total Corpus

How This Strategy Works

This hybrid investment approach combines the safety of Fixed Deposits (FDs) with the growth potential of Mutual Funds (MFs):

1. You invest a lump sum amount in an FD (safe, guaranteed returns).
2. The interest earned from the FD is systematically invested in Mutual Funds (higher growth potential).
3. Over time, the FD principal remains secure while the MF investments grow at a higher rate.
4. This strategy balances safety + growth better than pure FD or pure MF investments.

Current Market Rates (2024)

Investment	Expected Returns	Risk Level
Bank FDs	6.5% – 7.5% p.a.	Low (Guaranteed)
Large Cap Mutual Funds	10% – 12% p.a.	Moderate
Flexi Cap Mutual Funds	12% – 15% p.a.	Moderately High
Small Cap Mutual Funds	14% – 18% p.a.	High

Benefits of This Strategy

• Safety: FD principal remains protected.
• Growth: MF investments benefit from compounding.
• Tax Efficiency: LTCG on equity funds taxed at 10% (after ₹1 lakh exemption).
• Flexibility: Choose FD tenure & MF type based on risk appetite.

FD + Mutual Fund Growth Calculator is a hybrid wealth-building tool where an investor allocates money to both a fixed deposit and a mutual fund, and the FD interest (monthly or quarterly) is systematically added into the mutual fund as a top-up. This structure simulates a strategy where stable FD income continuously feeds a market-linked portfolio, creating an accelerating compounding effect on total wealth.

By entering FD principal, interest rate, payout frequency, mutual fund starting amount, expected return and investment period, the calculator projects how FD corpus, periodic interest flows and mutual fund value grow together. It shows the final combined portfolio value and how much extra wealth is created by reinvesting FD interest into mutual funds instead of keeping it idle, helping investors design smarter, income-fed growth strategies.