Savings Scenario Comparison
Compare two or three savings plans side by side — different rates, contributions, fees or durations — on the same honest engine.
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- Private browser calculation
| Metric | Scenario A | Scenario B |
|---|---|---|
| Total contributed | ₹70,000 | ₹1,00,000 |
| Interest earned | ₹24,111 | ₹32,932 |
| Fees | ₹0 | ₹0 |
| Projected value | ₹94,111 | ₹1,32,932 |
| Inflation-adjusted value | — | — |
| Effective annual rate | 5.12% | 5.12% |
Scenario B produces the higher projected value under the assumptions entered. The spread between the highest and lowest projections is ₹38,821.
These estimates are for general planning only and are not financial, tax, investment or banking advice. Actual interest, fees, taxes, inflation and product terms may differ.
Assumptions and conventions
- All scenarios use the shared growth engine with end-of-period contributions and exact frequency conversion.
- Scenarios are compared purely on the values entered — none is singled out as the right choice.
- Inflation-adjusted values appear only for scenarios with inflation set.
- Values are calculated at full precision and rounded for display; columns may differ from totals by a small rounding amount.
What this calculator does
Each scenario runs through the same growth engine as the Compound Interest Calculator, so differences in the results come only from the differences you entered — rate, contribution, duration, compounding, fees or inflation. The comparison reports which scenario produces the higher projected value under those assumptions; it never labels one best, because the right plan also depends on risk, access and discipline the numbers cannot see.
Formula
Every scenario uses FV = PV·(1+i)ⁿ + PMT·((1+i)ⁿ − 1)/i with the exact per-period rate for its own frequency settings; see the Compound Interest Calculator for details.
Assumptions
- End-of-period contributions are used for all scenarios to keep them comparable.
- Rates are assumptions; scenarios with different risk levels are not made comparable by projection alone.
Content and formulas reviewed on 2026-08-06. See our methodology for how calculations are built and tested.
Worked example
Scenario A: 500 per month at 5%. Scenario B: 750 per month at the same rate. Over 10 years, B projects about 47,000 higher — entirely from the additional 30,000 contributed plus its compounding.
Frequently asked questions
Why doesn't the calculator pick one for me?
Because the projection only knows the numbers you entered. A higher assumed rate usually means higher risk, and a longer lock-in means less access — trade-offs you weigh, not the calculator.
Can I compare different durations?
Yes. Scenarios are independent; just note that comparing a 5-year and a 10-year plan compares different amounts of contributed money as well as different growth.
How is inflation handled?
Set an inflation rate per scenario to see inflation-adjusted values; the comparison then also reports which scenario leads in today's money.
Do fees really change rankings?
They can. A 1% annual fee roughly cancels a 1% rate advantage — the side-by-side view makes this visible immediately.
How many scenarios can I compare?
Two by default, with an optional third.
These estimates are for general information only and are not financial, tax, legal, or investment advice. Rates, fees, and lending rules vary by lender and country. Actual costs and outcomes may differ from the projections shown.