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Financial Runway Calculator
Compare Fixed Deposits (FDs) and Mutual Funds to see how smart investing can extend your startup’s financial runway. This tool helps you plan, optimize idle capital, and make informed choices for sustainable growth.
Impact of Choosing FD vs Mutual Fund on Your Financial Runway
Add| Month | FD Closing Balance (A) | MF Closing Balance (B) | Difference (B - A) |
|---|---|---|---|
| Dec 2024 | 4,75 Cr. | 4,77 Cr. | +2,56 L |
| Jan 2025 | 4,75 Cr. | 4,77 Cr. | +2,56 L |
| Feb 2025 | 4,75 Cr. | 4,77 Cr. | +2,56 L |
| Mar 2025 | 4,75 Cr. | 4,77 Cr. | +2,56 L |
| Apr 2025 | 4,75 Cr. | 4,77 Cr. | +2,56 L |
| May 2025 | 4,75 Cr. | 4,77 Cr. | +2,56 L |
| Jun 2025 | 4,75 Cr. | 4,77 Cr. | +2,56 L |
| Jul 2025 | 4,75 Cr. | 4,77 Cr. | +2,56 L |
| Aug 2025 | 4,75 Cr. | 4,77 Cr. | +2,56 L |
| Month | Fund Name | Investment Amount |
|---|---|---|
| Dec 2024 | DSP Liquid Fund | 25,00,000 |
| DSP Ultra Savings Funds | 35,00,000 | |
| DSP Low Duration Fund | 55,00,000 | |
| DSP Savings Fund | 30,00,000 |
The comparison helps you understand how your capital may grow over time if it is allocated to Fixed Deposits (FDs) or Debt Mutual Funds.
The calculator estimates the value of your funds using the inputs and assumptions you provide.
FDs typically offer a fixed interest rate, while Debt Mutual Funds are linked to market movements. Hence the values may slightly vary.
- YTM reflects the expected annualized return if a debt instrument is held to maturity.
- Modified Duration reflects how sensitive the mutual fund’s value is to interest-rate changes.
These inputs help the calculator estimate future values of debt mutual funds.
The MTM feature allows you to model the impact of a possible interest-rate change on the value of debt mutual funds.
This is optional and is meant purely for scenario planning.
No. The calculations are based on user inputs and assumptions. Actual outcomes may vary due to market conditions, interest-rate movements, costs, and other external factors.
The tool is meant to support financial planning and scenario analysis.
Before making investment decisions, you may consider your goals, risk tolerance, liquidity requirements, and seek advice from a SEBI-registered financial advisor if required.
Disclaimer
The calculators are based on past returns and meant for illustration purposes only. The calculators are designed to assist you to get a better understanding on how returns would have panned out in various scenarios. Returns are neither assured nor guaranteed. There is no warranty about the accuracy of the calculator. This calculator alone is not sufficient and shouldn’t be used for the development or implementation of any investment strategy. The comparison with Bank Fixed Deposit (and other traditional saving instruments) has been given for the purpose of the general information only. Investments in mutual funds should not be construed as a promise, guarantee on or a forecast of any minimum returns. Unlike traditional saving instruments, there is no capital protection guarantee or assurance of any return in mutual fund investment. Investment in mutual funds carries high risk as compared to the traditional saving instruments and any investment decision needs to be taken only after consulting a tax consultant or financial advisor.
The content of this website must not be copied, modified, reproduced, distributed, transferred, edited or made accessible to third parties for any purposes whatsoever without obtaining prior permission from the owners of this website. Past performance may or may not be sustained in future and is not a guarantee of any future returns. There is no assurance of any returns/capital protection/capital guarantee to the investors in any of the schemes of DSP Mutual Fund. The AMC nor any person connected does not warrant the completeness or accuracy of the information and disclaims all liabilities, losses and damages arising out of the use of this information. In no event shall DSP Mutual Fund and / or its affiliates or any of their directors, officers and employees be liable for any special direct, indirect, special, incidental or consequential damages arising out of the use of information / opinion herein.
Mutual Fund investments are subject to market risks, read all scheme related documents carefully.
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