Compare Any Financial
Instrument. Side by Side.
Reviewed by Finin2min Editorial Desk · Last reviewed 11 August 2026
Page contents
From PPF to Bitcoin, Liquid Funds to Silver ETFs — pick up to 3 instruments, toggle the parameters you care about, and get an instant side-by-side breakdown. Returns, post-tax yield, real return, max drawdown, liquidity and more. Plus: wealth projector & AI recommendation engine.
Equity & Stocks
Mutual Funds
Debt & Bonds
Gold & Commodities
Crypto
Retirement
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Asset Classes 11
Parameters 14
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Side-by-side comparison
■ All figures are indicative based on publicly available data as of 2025–26. Returns, tax rates and regulations are subject to change. This tool is for educational purposes only and does not constitute investment advice. Consult a SEBI-registered financial advisor before investing.
AI Educational Allocation Assistant
Illustrative
Describe your profile — see an illustrative asset class allocation for educational purposes
⚠️ Educational model output only. Not investment advice. Does not consider your complete financial situation, risk profile, existing assets, liabilities, or goals. Consult a SEBI-registered investment advisor before making any investment decision.
Your Age
Tax Slab
Tax Regime
Employer NPS §80CCD(2)
Primary Goal
Investment Horizon
Risk Appetite
Illustrative Allocation — For Educational Reference Only
Goal-based instrument ranking
Which instruments suit your goal best?
Top 8 ranked automatically
SIP projection calculator
SIP Projection
Monthly SIP → projected corpus · Returns are illustrative — not guaranteed
Instrument
Monthly SIP (₹)
Duration (years)
Expected Return % (see guide →)
Return Guidance — Suggested ranges for realistic projections
FD / Post Office6–8%
Debt / Gilt Fund6–9%
Hybrid / Balanced8–11%
Large Cap / Index10–14%
Mid Cap Equity12–18%
Small Cap Equity12–18%
Gold / Commodity8–12%
↑ Click any row to auto-fill rate. Returns are historical averages — not a guarantee of future performance.
Emergency fund optimizer
Emergency Fund Optimizer
How much do you need? Where should you keep it?
Monthly Expenses (₹)
Job Stability
Dependents
Lumpsum vs SIP comparison
Lumpsum vs SIP — Which builds more wealth?
Compare one-time investment against systematic monthly investment
Lumpsum Investment
One-time Amount (₹)
Systematic Investment (SIP)
Monthly (₹)
Annual Return (%)
Duration (years)
Goal corpus calculator
Goal Corpus Calculator
What monthly SIP do you need to reach your goal?
Goal Amount (₹)
Years to Goal
Expected Return (%)
Inflation (%)
Returns are illustrative. Actual SIP requirements depend on instrument selection, market conditions, and timing. Consult a SEBI-registered financial advisor.
Illustrative portfolio allocator — educational only
Illustrative Portfolio Builder
What should my portfolio look like?
Describe your profile — get an illustrative asset allocation across instrument categories. Adjust inputs and regenerate to explore different scenarios.
Educational Illustration Only
Not SEBI Investment Advice
⚠️ This illustrative portfolio is generated by a rule-based educational model and does not constitute investment advice under the SEBI Investment Advisers Regulations, 2013. It does not account for your complete financial situation, existing assets, liabilities, income, insurance coverage, or specific risk tolerance. All allocations are illustrative percentages only. Past performance of asset classes does not guarantee future returns. Consult a SEBI-registered investment adviser before making any investment decision.
Age Group
Primary Goal
Risk Appetite
Tax Slab
Investment Horizon
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Illustrative Allocation Breakdown
Methodology, assumptions and sources
Scope: Compares the projected return, post-tax return and historical drawdown of two or more financial instruments (equity, debt, gold, FD, etc.) side by side, using the return and holding-period assumptions entered.
Calculation logic
- Compute nominal future value for each instrument using its entered/assumed return rate and the common holding period, using standard compounding.
- Compute post-tax return by applying the capital-gains tax treatment applicable to each instrument's category and the holding period entered (e.g., equity LTCG vs debt-fund taxation vs FD interest taxed at slab rate).
- Compute inflation-adjusted (real) return using the Fisher relation for each instrument, given the inflation assumption entered.
- Where historical drawdown data is shown, it reflects the maximum peak-to-trough decline for that instrument class over the reference period used, drawn from the illustrative dataset built into the tool.
Inputs and assumptions
- Return rates entered/assumed for each instrument are illustrative planning assumptions, not guaranteed or predicted future returns.
- Tax treatment applied follows the current capital-gains rules for each instrument category as of the calculation date.
Exclusions and edge cases
- Market-linked instrument returns are inherently uncertain — this tool is for comparison of assumptions, not a return guarantee or investment recommendation.
- Does not account for instrument-specific costs (expense ratio, exit load, brokerage) unless the user builds them into the entered return rate.
Sources
No specific external regulatory source applies beyond general market-linked instrument mechanics.
Review status: reviewed and approved by CA Nikhil Gupta on 6 July 2026.