About NetReturns
Most people put their savings in one or two places they already know, like an FD or a SIP, without seeing how other options would compare. And most calculators show a big number before tax, which isn't what lands in your account. NetReturns shows what you actually keep, after tax and, if you like, after inflation, for every common option side by side.
What makes it different
The same yardstick for everything. FD interest is taxed every year, fund gains only when you sell, and PPF not at all. We turn each into the same number, the return per year after tax, so a deposit and a fund can be compared fairly.
Honest about uncertainty.Government schemes have a declared rate, so they show one number. Funds don't, so they show a range. You can replace any default with your own estimate.
Plain language. Every option has a beginner guide with real numbers and an honest list of pros and cons. Start with Investing, explained simply.
Frequently asked questions
Is it free to use?
Yes, completely free, with no sign-up or login. Enter your numbers and see the results.
Do you store or see my financial data?
No. Every calculation happens in your browser, on your own device. Your amounts, rates and results are never sent to or stored on any server.
Where do the rates come from?
Government scheme rates come from the Ministry of Finance's quarterly notification, FD defaults from SBI's published card rates, and inflation from the government's latest CPI release. Fund returns use long-term planning ranges, which you can change. Every page says how current its numbers are.
Is this financial advice?
No. NetReturns is an educational tool that shows roughly what you might keep after tax. It is not investment, tax or legal advice, and we are not SEBI-registered. Please speak with a qualified adviser before making investment decisions.