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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 |
What does the FD vs Mutual Fund comparison show?
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.
Why are Mutual Fund values different from Fixed Deposits in the results?
FDs typically offer a fixed interest rate, while Debt Mutual Funds are linked to market movements.
This is why the projected values for mutual funds may be higher or lower over time compared to FDs.
What do Yield to Maturity (YTM) and Modified Duration mean?
- 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.
What is the purpose of the Mark-to-Market (MTM) input?
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.
Are the projection results guaranteed?
No. The calculator provides projections based on user inputs and assumptions.
Actual outcomes may vary due to market conditions, interest-rate movements, costs, and other external factors.
Can I use this calculator to make investment decisions?
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.
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DSP Mutual Fund is the leading mutual fund investment company in India.
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Contact details for complaint resolution: Mr. Santosh Pandey
Investor Relations Officer, DSP Asset Managers Private Limited, The Ruby, 25th Floor, 29, Senapati Bapat Marg, Dadar (West), Mumbai – 400028, Tel.:022-66578000.
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