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Deprecated function: Creation of dynamic property Drupal\tablefield\TableValue::$value is deprecated in Drupal\Core\TypedData\TypedData->setValue() (line 102 of core/lib/Drupal/Core/TypedData/TypedData.php).
Drupal\Core\TypedData\TypedData->setValue(NULL, ) (Line: 87) Drupal\Core\TypedData\Plugin\DataType\Map->setValue(Array, ) (Line: 125) Drupal\Core\Field\FieldItemBase->setValue(Array, ) (Line: 206) Drupal\tablefield\Plugin\Field\FieldType\TablefieldItem->setValue(Array, ) (Line: 208) Drupal\Core\TypedData\TypedDataManager->getPropertyInstance(Object, 0, Array) (Line: 91) Drupal\Core\Field\FieldTypePluginManager->createFieldItem(Object, 0, Array) (Line: 41) Drupal\Core\Field\FieldItemList->createItem(0, Array) (Line: 69) Drupal\Core\TypedData\Plugin\DataType\ItemList->setValue(Array, ) (Line: 107) Drupal\Core\Field\FieldItemList->setValue(Array, ) (Line: 208) Drupal\Core\TypedData\TypedDataManager->getPropertyInstance(Object, 'field_calc_table', Array) (Line: 83) Drupal\Core\Field\FieldTypePluginManager->createFieldItemList(Object, 'field_calc_table', Array) (Line: 633) Drupal\Core\Entity\ContentEntityBase->getTranslatedField('field_calc_table', 'x-default') (Line: 597) Drupal\Core\Entity\ContentEntityBase->get('field_calc_table') (Line: 325) Drupal\Core\Entity\EntityViewBuilder->buildComponents(Array, Array, Array, 'default') (Line: 281) Drupal\Core\Entity\EntityViewBuilder->buildMultiple(Array) (Line: 18) Drupal\paragraphs\ParagraphViewBuilder->buildMultiple(Array) (Line: 238) Drupal\Core\Entity\EntityViewBuilder->build(Array) call_user_func_array(Array, Array) (Line: 111) Drupal\Core\Render\Renderer->doTrustedCallback(Array, Array, 'Render #pre_render callbacks must be methods of a class that implements \Drupal\Core\Security\TrustedCallbackInterface or be an anonymous function. The callback was %s. See https://www.drupal.org/node/2966725', 'exception', 'Drupal\Core\Render\Element\RenderCallbackInterface') (Line: 859) Drupal\Core\Render\Renderer->doCallback('#pre_render', Array, Array) (Line: 421) Drupal\Core\Render\Renderer->doRender(Array, ) (Line: 240) Drupal\Core\Render\Renderer->render(Array) (Line: 475) Drupal\Core\Template\TwigExtension->escapeFilter(Object, Array, 'html', NULL, 1) (Line: 68) __TwigTemplate_291debf4453c7ba2e34da4fa4cd83699->doDisplay(Array, Array) (Line: 394) Twig\Template->displayWithErrorHandling(Array, Array) (Line: 367) Twig\Template->display(Array) (Line: 379) Twig\Template->render(Array) (Line: 38) Twig\TemplateWrapper->render(Array) (Line: 39) twig_render_template('themes/techprosolutions/templates/field/field.html.twig', Array) (Line: 348) Drupal\Core\Theme\ThemeManager->render('field', Array) (Line: 480) Drupal\Core\Render\Renderer->doRender(Array, ) (Line: 240) Drupal\Core\Render\Renderer->render(Array) (Line: 475) Drupal\Core\Template\TwigExtension->escapeFilter(Object, Array, 'html', NULL, 1) (Line: 111) __TwigTemplate_ff95cc8dbd011c21d5f5e7f83f8118b4->doDisplay(Array, Array) (Line: 394) Twig\Template->displayWithErrorHandling(Array, Array) (Line: 367) Twig\Template->display(Array) (Line: 379) Twig\Template->render(Array) (Line: 38) Twig\TemplateWrapper->render(Array) (Line: 39) twig_render_template('modules/custom/easytax_calculators/templates/ecp-calculator-page.html.twig', Array) (Line: 348) Drupal\Core\Theme\ThemeManager->render('ecp_calculator_page', Array) (Line: 480) Drupal\Core\Render\Renderer->doRender(Array, ) (Line: 240) Drupal\Core\Render\Renderer->render(Array, ) (Line: 238) Drupal\Core\Render\MainContent\HtmlRenderer->Drupal\Core\Render\MainContent\{closure}() (Line: 627) Drupal\Core\Render\Renderer->executeInRenderContext(Object, Object) (Line: 231) Drupal\Core\Render\MainContent\HtmlRenderer->prepare(Array, Object, Object) (Line: 128) Drupal\Core\Render\MainContent\HtmlRenderer->renderResponse(Array, Object, Object) (Line: 90) Drupal\Core\EventSubscriber\MainContentViewSubscriber->onViewRenderArray(Object, 'kernel.view', Object) call_user_func(Array, Object, 'kernel.view', Object) (Line: 111) Drupal\Component\EventDispatcher\ContainerAwareEventDispatcher->dispatch(Object, 'kernel.view') (Line: 186) Symfony\Component\HttpKernel\HttpKernel->handleRaw(Object, 1) (Line: 76) Symfony\Component\HttpKernel\HttpKernel->handle(Object, 1, 1) (Line: 58) Drupal\Core\StackMiddleware\Session->handle(Object, 1, 1) (Line: 48) Drupal\Core\StackMiddleware\KernelPreHandle->handle(Object, 1, 1) (Line: 28) Drupal\Core\StackMiddleware\ContentLength->handle(Object, 1, 1) (Line: 32) Drupal\big_pipe\StackMiddleware\ContentLength->handle(Object, 1, 1) (Line: 191) Drupal\page_cache\StackMiddleware\PageCache->fetch(Object, 1, 1) (Line: 128) Drupal\page_cache\StackMiddleware\PageCache->lookup(Object, 1, 1) (Line: 82) Drupal\page_cache\StackMiddleware\PageCache->handle(Object, 1, 1) (Line: 48) Drupal\Core\StackMiddleware\ReverseProxyMiddleware->handle(Object, 1, 1) (Line: 51) Drupal\Core\StackMiddleware\NegotiationMiddleware->handle(Object, 1, 1) (Line: 36) Drupal\Core\StackMiddleware\AjaxPageState->handle(Object, 1, 1) (Line: 51) Drupal\Core\StackMiddleware\StackedHttpKernel->handle(Object, 1, 1) (Line: 704) Drupal\Core\DrupalKernel->handle(Object) (Line: 21)Deprecated function: Creation of dynamic property Drupal\tablefield\Plugin\Field\FieldFormatter\TablefieldFormatter::$ModuleHandler is deprecated in Drupal\tablefield\Plugin\Field\FieldFormatter\TablefieldFormatter->__construct() (line 57 of modules/contrib/tablefield/src/Plugin/Field/FieldFormatter/TablefieldFormatter.php).
Drupal\tablefield\Plugin\Field\FieldFormatter\TablefieldFormatter->__construct('tablefield', Array, Object, Array, 'hidden', 'default', Array, Object, Object) (Line: 64) Drupal\tablefield\Plugin\Field\FieldFormatter\TablefieldFormatter::create(Object, Array, 'tablefield', Array) (Line: 64) Drupal\Core\Field\FormatterPluginManager->createInstance('tablefield', Array) (Line: 126) Drupal\Core\Field\FormatterPluginManager->getInstance(Array) (Line: 205) Drupal\Core\Entity\Entity\EntityViewDisplay->getRenderer('field_calc_table') (Line: 241) Drupal\Core\Entity\Entity\EntityViewDisplay->buildMultiple(Array) (Line: 339) Drupal\Core\Entity\EntityViewBuilder->buildComponents(Array, Array, Array, 'default') (Line: 281) Drupal\Core\Entity\EntityViewBuilder->buildMultiple(Array) (Line: 18) Drupal\paragraphs\ParagraphViewBuilder->buildMultiple(Array) (Line: 238) Drupal\Core\Entity\EntityViewBuilder->build(Array) call_user_func_array(Array, Array) (Line: 111) Drupal\Core\Render\Renderer->doTrustedCallback(Array, Array, 'Render #pre_render callbacks must be methods of a class that implements \Drupal\Core\Security\TrustedCallbackInterface or be an anonymous function. The callback was %s. See https://www.drupal.org/node/2966725', 'exception', 'Drupal\Core\Render\Element\RenderCallbackInterface') (Line: 859) Drupal\Core\Render\Renderer->doCallback('#pre_render', Array, Array) (Line: 421) Drupal\Core\Render\Renderer->doRender(Array, ) (Line: 240) Drupal\Core\Render\Renderer->render(Array) (Line: 475) Drupal\Core\Template\TwigExtension->escapeFilter(Object, Array, 'html', NULL, 1) (Line: 68) __TwigTemplate_291debf4453c7ba2e34da4fa4cd83699->doDisplay(Array, Array) (Line: 394) Twig\Template->displayWithErrorHandling(Array, Array) (Line: 367) Twig\Template->display(Array) (Line: 379) Twig\Template->render(Array) (Line: 38) Twig\TemplateWrapper->render(Array) (Line: 39) twig_render_template('themes/techprosolutions/templates/field/field.html.twig', Array) (Line: 348) Drupal\Core\Theme\ThemeManager->render('field', Array) (Line: 480) Drupal\Core\Render\Renderer->doRender(Array, ) (Line: 240) Drupal\Core\Render\Renderer->render(Array) (Line: 475) Drupal\Core\Template\TwigExtension->escapeFilter(Object, Array, 'html', NULL, 1) (Line: 111) __TwigTemplate_ff95cc8dbd011c21d5f5e7f83f8118b4->doDisplay(Array, Array) (Line: 394) Twig\Template->displayWithErrorHandling(Array, Array) (Line: 367) Twig\Template->display(Array) (Line: 379) Twig\Template->render(Array) (Line: 38) Twig\TemplateWrapper->render(Array) (Line: 39) twig_render_template('modules/custom/easytax_calculators/templates/ecp-calculator-page.html.twig', Array) (Line: 348) Drupal\Core\Theme\ThemeManager->render('ecp_calculator_page', Array) (Line: 480) Drupal\Core\Render\Renderer->doRender(Array, ) (Line: 240) Drupal\Core\Render\Renderer->render(Array, ) (Line: 238) Drupal\Core\Render\MainContent\HtmlRenderer->Drupal\Core\Render\MainContent\{closure}() (Line: 627) Drupal\Core\Render\Renderer->executeInRenderContext(Object, Object) (Line: 231) Drupal\Core\Render\MainContent\HtmlRenderer->prepare(Array, Object, Object) (Line: 128) Drupal\Core\Render\MainContent\HtmlRenderer->renderResponse(Array, Object, Object) (Line: 90) Drupal\Core\EventSubscriber\MainContentViewSubscriber->onViewRenderArray(Object, 'kernel.view', Object) call_user_func(Array, Object, 'kernel.view', Object) (Line: 111) Drupal\Component\EventDispatcher\ContainerAwareEventDispatcher->dispatch(Object, 'kernel.view') (Line: 186) Symfony\Component\HttpKernel\HttpKernel->handleRaw(Object, 1) (Line: 76) Symfony\Component\HttpKernel\HttpKernel->handle(Object, 1, 1) (Line: 58) Drupal\Core\StackMiddleware\Session->handle(Object, 1, 1) (Line: 48) Drupal\Core\StackMiddleware\KernelPreHandle->handle(Object, 1, 1) (Line: 28) Drupal\Core\StackMiddleware\ContentLength->handle(Object, 1, 1) (Line: 32) Drupal\big_pipe\StackMiddleware\ContentLength->handle(Object, 1, 1) (Line: 191) Drupal\page_cache\StackMiddleware\PageCache->fetch(Object, 1, 1) (Line: 128) Drupal\page_cache\StackMiddleware\PageCache->lookup(Object, 1, 1) (Line: 82) Drupal\page_cache\StackMiddleware\PageCache->handle(Object, 1, 1) (Line: 48) Drupal\Core\StackMiddleware\ReverseProxyMiddleware->handle(Object, 1, 1) (Line: 51) Drupal\Core\StackMiddleware\NegotiationMiddleware->handle(Object, 1, 1) (Line: 36) Drupal\Core\StackMiddleware\AjaxPageState->handle(Object, 1, 1) (Line: 51) Drupal\Core\StackMiddleware\StackedHttpKernel->handle(Object, 1, 1) (Line: 704) Drupal\Core\DrupalKernel->handle(Object) (Line: 21)Warning: Undefined array key "caption" in Drupal\tablefield\Plugin\Field\FieldFormatter\TablefieldFormatter->viewElements() (line 150 of modules/contrib/tablefield/src/Plugin/Field/FieldFormatter/TablefieldFormatter.php).
Drupal\tablefield\Plugin\Field\FieldFormatter\TablefieldFormatter->viewElements(Object, 'en') (Line: 91) Drupal\Core\Field\FormatterBase->view(Object, 'en') (Line: 268) Drupal\Core\Entity\Entity\EntityViewDisplay->buildMultiple(Array) (Line: 339) Drupal\Core\Entity\EntityViewBuilder->buildComponents(Array, Array, Array, 'default') (Line: 281) Drupal\Core\Entity\EntityViewBuilder->buildMultiple(Array) (Line: 18) Drupal\paragraphs\ParagraphViewBuilder->buildMultiple(Array) (Line: 238) Drupal\Core\Entity\EntityViewBuilder->build(Array) call_user_func_array(Array, Array) (Line: 111) Drupal\Core\Render\Renderer->doTrustedCallback(Array, Array, 'Render #pre_render callbacks must be methods of a class that implements \Drupal\Core\Security\TrustedCallbackInterface or be an anonymous function. The callback was %s. See https://www.drupal.org/node/2966725', 'exception', 'Drupal\Core\Render\Element\RenderCallbackInterface') (Line: 859) Drupal\Core\Render\Renderer->doCallback('#pre_render', Array, Array) (Line: 421) Drupal\Core\Render\Renderer->doRender(Array, ) (Line: 240) Drupal\Core\Render\Renderer->render(Array) (Line: 475) Drupal\Core\Template\TwigExtension->escapeFilter(Object, Array, 'html', NULL, 1) (Line: 68) __TwigTemplate_291debf4453c7ba2e34da4fa4cd83699->doDisplay(Array, Array) (Line: 394) Twig\Template->displayWithErrorHandling(Array, Array) (Line: 367) Twig\Template->display(Array) (Line: 379) Twig\Template->render(Array) (Line: 38) Twig\TemplateWrapper->render(Array) (Line: 39) twig_render_template('themes/techprosolutions/templates/field/field.html.twig', Array) (Line: 348) Drupal\Core\Theme\ThemeManager->render('field', Array) (Line: 480) Drupal\Core\Render\Renderer->doRender(Array, ) (Line: 240) Drupal\Core\Render\Renderer->render(Array) (Line: 475) Drupal\Core\Template\TwigExtension->escapeFilter(Object, Array, 'html', NULL, 1) (Line: 111) __TwigTemplate_ff95cc8dbd011c21d5f5e7f83f8118b4->doDisplay(Array, Array) (Line: 394) Twig\Template->displayWithErrorHandling(Array, Array) (Line: 367) Twig\Template->display(Array) (Line: 379) Twig\Template->render(Array) (Line: 38) Twig\TemplateWrapper->render(Array) (Line: 39) twig_render_template('modules/custom/easytax_calculators/templates/ecp-calculator-page.html.twig', Array) (Line: 348) Drupal\Core\Theme\ThemeManager->render('ecp_calculator_page', Array) (Line: 480) Drupal\Core\Render\Renderer->doRender(Array, ) (Line: 240) Drupal\Core\Render\Renderer->render(Array, ) (Line: 238) Drupal\Core\Render\MainContent\HtmlRenderer->Drupal\Core\Render\MainContent\{closure}() (Line: 627) Drupal\Core\Render\Renderer->executeInRenderContext(Object, Object) (Line: 231) Drupal\Core\Render\MainContent\HtmlRenderer->prepare(Array, Object, Object) (Line: 128) Drupal\Core\Render\MainContent\HtmlRenderer->renderResponse(Array, Object, Object) (Line: 90) Drupal\Core\EventSubscriber\MainContentViewSubscriber->onViewRenderArray(Object, 'kernel.view', Object) call_user_func(Array, Object, 'kernel.view', Object) (Line: 111) Drupal\Component\EventDispatcher\ContainerAwareEventDispatcher->dispatch(Object, 'kernel.view') (Line: 186) Symfony\Component\HttpKernel\HttpKernel->handleRaw(Object, 1) (Line: 76) Symfony\Component\HttpKernel\HttpKernel->handle(Object, 1, 1) (Line: 58) Drupal\Core\StackMiddleware\Session->handle(Object, 1, 1) (Line: 48) Drupal\Core\StackMiddleware\KernelPreHandle->handle(Object, 1, 1) (Line: 28) Drupal\Core\StackMiddleware\ContentLength->handle(Object, 1, 1) (Line: 32) Drupal\big_pipe\StackMiddleware\ContentLength->handle(Object, 1, 1) (Line: 191) Drupal\page_cache\StackMiddleware\PageCache->fetch(Object, 1, 1) (Line: 128) Drupal\page_cache\StackMiddleware\PageCache->lookup(Object, 1, 1) (Line: 82) Drupal\page_cache\StackMiddleware\PageCache->handle(Object, 1, 1) (Line: 48) Drupal\Core\StackMiddleware\ReverseProxyMiddleware->handle(Object, 1, 1) (Line: 51) Drupal\Core\StackMiddleware\NegotiationMiddleware->handle(Object, 1, 1) (Line: 36) Drupal\Core\StackMiddleware\AjaxPageState->handle(Object, 1, 1) (Line: 51) Drupal\Core\StackMiddleware\StackedHttpKernel->handle(Object, 1, 1) (Line: 704) Drupal\Core\DrupalKernel->handle(Object) (Line: 21)
Mutual Fund vs FD Calculator
Compare a one-time mutual-fund investment with a fixed deposit over the same period and see the gap year by year.
Year-wise comparison
| Year | Mutual fund value | FD value |
|---|---|---|
| 1 | ₹1,12,000 | ₹1,06,660 |
| 2 | ₹1,25,440 | ₹1,13,764 |
| 3 | ₹1,40,493 | ₹1,21,341 |
| 4 | ₹1,57,352 | ₹1,29,422 |
| 5 | ₹1,76,234 | ₹1,38,042 |
One lumpsum, two very different growth paths
You have a one-time amount to park — say a bonus or a maturity payout. A fixed deposit locks in a contracted rate, compounds it quarterly and tells you the maturity value on day one. A mutual fund puts the same money into the market: no promised number, but historically higher growth over long holding periods. The same rupees follow two very different growth paths.
This calculator grows one amount both ways over the same tenure — the fund at your expected return, the FD at its card rate — and shows both end values, the gap between them and a year-by-year table of how that gap builds.
How each side is computed
MF: FV = P × (1 + r)ⁿ · FD: FV = P × (1 + r ÷ 4)⁴ⁿ
- P — the one-time investment (both sides)
- r — each side's annual rate as a decimal
- n — the tenure in years
The mutual fund side compounds annually at your expected return — the standard convention for projecting fund growth. The FD side compounds quarterly, the way Indian banks actually credit FD interest, which is why a 6.5% FD yields slightly more than 6.5% simple. Each side matches our standalone lumpsum and FD calculators exactly.
How to use this calculator
- Enter the one-time investment — the amount you want to deploy.
- Set the time period in years.
- Set the mutual fund expected return — 12% p.a. is a common long-term equity assumption; use a lower figure for hybrid or debt funds.
- Set the FD interest rate — the default 6.5% is typical of large-bank card rates, which change with the rate cycle.
You get both end values, the difference, a verdict and a year-wise comparison table.
A worked example
₹1,00,000 for 5 years — mutual fund at 12% p.a. vs FD at 6.5% p.a.:
- Mutual fund value: ₹1,76,234.17
- FD maturity value: ₹1,38,041.98
- Difference: ₹38,192.19 in the fund's favour
After year one the positions are much closer — ₹1,12,000.00 vs ₹1,06,660.16. The fund's edge comes from compounding a higher rate over more years, and it assumes the market actually delivers 12%; real fund returns vary year to year and can be negative.
Mutual fund vs FD at a glance
| Mutual fund (lumpsum) | Fixed deposit | |
|---|---|---|
| Return type | Market-linked — NAV moves daily | Contracted — maturity value known on day one |
| Certainty | Can be higher or lower than assumed; can lose money | Guaranteed; insured up to ₹5,00,000 by DICGC per bank |
| Tax on gains | Equity: 12.5% LTCG beyond ₹1,25,000 a year; debt funds at slab | Interest taxed at your slab; TDS past the threshold |
| Liquidity | Redeem in 1–3 working days; exit load may apply early | Premature withdrawal allowed with a rate penalty |
| Best suited for | Goals 5+ years away that can ride out swings | Short horizons and money that must not shrink |
FD rates and tax thresholds shown are current and revisable; equity return figures are assumptions, not guarantees.
Yes — the rate is locked when you book the deposit, and DICGC insures bank deposits up to ₹5,00,000 per depositor per bank. That guarantee is the FD's core advantage, and the reason its rate is lower than what equity has historically delivered.
Interest is added to your income and taxed at your slab rate, whichever regime you use. Banks deduct TDS once interest crosses ₹50,000 a year (₹1,00,000 for senior citizens) — thresholds current from FY 2025-26. Under the new regime, total income up to ₹12,00,000 attracts no tax after the Section 87A rebate.
Equity funds: 12.5% on long-term gains beyond ₹1,25,000 a year (held over 12 months), 20% on short-term gains. Most debt fund gains are taxed at your slab regardless of holding period. Current rates, revisable by a future Finance Act.
Short horizons favour the FD — equity needs time to ride out drawdowns, and a 1–2 year equity holding can easily end below the FD, or below your principal. The historical equity edge shows up over 5+ year periods.
Yes — fund values move with the market and there is no guarantee, which is exactly what the higher expected return compensates for. The 12% default in this calculator is a long-term planning assumption, not a promise.