Same one-time amount in both options.
Your own assumption, not a promised or guaranteed return.
Your own assumption, not a promised or guaranteed return.
Holding period.
Quick examples
₹1,00,000 for 10 years at 7% vs 12%.
What each result means
Option A value
What it is: Amount grown at A's rate.
Your value: ₹1,96,715
Your own assumption.
Option B value
What it is: Amount grown at B's rate.
Your value: ₹3,10,585
Your own assumption.
Difference (B − A)
What it is: How far apart the two end up.
Your value: ₹1,13,870
Small rate gaps widen over time.
Year-by-year breakdown
| Year | Option A (₹) | Option B (₹) | Difference (₹) | B ÷ A |
|---|---|---|---|---|
| 1 | ₹1,07,000 | ₹1,12,000 | ₹5,000 | 1.047× |
| 2 | ₹1,14,490 | ₹1,25,440 | ₹10,950 | 1.096× |
| 3 | ₹1,22,504 | ₹1,40,493 | ₹17,989 | 1.147× |
How to read this: each row shows both options at the end of that year with the same starting amount.
Showing the first 3 of 10 years. Want charts, formulas and the full schedule? Get the detailed PDF.
What this calculator does
This calculator grows the same amount at two different assumed yearly rates and shows how far apart they end up. It does not rate or recommend either option.
What your result means
The gap shows the effect of compounding at different rates, under your assumptions. Real options also differ in risk, liquidity and tax.
Formula
1. Compound growth
Symbols
- P
- Amount
- r
- Annual rate
- y
- Years
Worked example
₹1,00,000 for 10 years: 7% → ₹1,96,715; 12% → ₹3,10,585.
Working for your numbers
- A = ₹1,00,000 × 1.070^10 = ₹1,96,715
- B = ₹1,00,000 × 1.120^10 = ₹3,10,585
- Difference = ₹1,13,870
Frequently asked questions
Does a higher rate mean a better option?
Not necessarily. Higher assumed returns usually come with higher risk. This page compares arithmetic only.
Is the return on this page guaranteed?
No. Every rate here is your own assumption. Market-linked results go up and down; this page shows what the numbers give under your assumptions, not a promise.
When should I talk to a professional instead?
Before a real decision, especially a large or long-term one, speak to a SEBI-registered investment adviser or a qualified professional. This page is educational only.
Symbols and assumptions
- P
- Amount
- rA / rB
- Assumed rates
- y
- Years
- Both rates constant, compounded yearly.
- Does not account for taxes, fees, expense ratios or exit loads.
Sources and review
Reviewed 2026-09-29 · Next review 2027-09-29
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How it works
Provides a comparison of CAGR and absolute gains for multiple assets.
The formula
Side-by-side CAGR comparison- Asset
- Stocks, Gold, FD, etc.
Worked example
Comparing a Mutual Fund SIP vs Real Estate growth.
Pro tips
- Compare assets with similar risk profiles.
- Consider taxes specifically for each asset class.
Common mistakes
- Comparing high-risk assets with low-risk assets purely on returns.
Go deeper
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Concepts to explore
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Institutional grade calculations are illustrative and for educational wealth architecture. Results do not constitute investment advice.