Investment Calculator
Gold vs Fixed Deposit Calculator
Compare how your money grows in gold vs a bank fixed deposit (FD or CD). Enter the investment amount and FD interest rate.
- Gold Value After
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- FD Value After
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- Gold Return
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- FD Return
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- Winner
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Uses compounded annual returns. Gold CAGR is an assumption — actual results vary. Not financial advice.
Frequently Asked Questions
Does gold beat fixed deposits?+
Over most 10+ year periods, gold has outperformed bank FD rates in most countries. Over shorter periods, gold is more volatile.
What is the historical gold CAGR?+
Global gold has delivered ~7–8% CAGR in USD over 1970–2024. In inflation-adjusted terms, closer to 3–4%.
Is gold safer than a fixed deposit?+
FDs are guaranteed by the bank (up to DICGC limit in India). Gold carries no counterparty risk but has price volatility.
How is FD return calculated?+
FD return = Principal × (1 + rate)^years. Most FDs compound annually; some quarterly. This calculator uses annual compounding.
What FD rate should I use?+
Use the rate quoted by your bank for the same tenure. In India, FD rates are typically 6–7.5%. In the US, HYSA/CD rates are currently 4–5%.