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Comparison Engine

Compare Financial Products
Financial Products

Real data. No sponsored rankings. Best home loans, credit cards, mutual funds and insurance — compared objectively for Indian consumers.

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Best Home Loans 2025
SBI vs HDFC vs ICICI — compare 15+ banks on rates, processing fees and eligibility.
15 Banks · Rates from 8.5%
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Best Credit Cards 2025
Cashback, travel, fuel and rewards — best credit card for every spending pattern.
40+ Cards · Cashback up to 5%
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Best Mutual Funds
Top SIP funds by category — large cap, ELSS, flexi-cap and index funds for 2025.
50+ Funds · 5-star rated
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Best Term Insurance 2025
LIC vs HDFC vs Max Life — compare by claim settlement ratio, premium and cover.
12 Plans · Claims ratio up to 99.4%
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Best FD Rates 2025
Highest FD rates across 20+ banks and NBFCs. Find best 1yr, 3yr and 5yr FDs.
20+ Banks · Rates up to 9.1%
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Best Personal Loans
Instant disbursal loans compared. SBI at 10.30% vs HDFC vs Bajaj Finserv — 10 lenders ranked.
10 Lenders⚡ Instant OptionUpdated Mar 2026
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Best Investment Platforms
Zerodha vs Groww vs Kuvera vs ET Money — find the best SIP & stock platform for you.
8 Platforms₹0 CommissionSEBI Registered
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Best Demat Accounts 2025
Zerodha vs Groww vs Upstox vs Angel — compared on brokerage, features and reliability.
8 Brokers · Zero brokerage options
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Gold vs Real Estate
Post-cost return comparison. Includes stamp duty (7%), SGB tax-free maturity, rental yield, and liquidity differences.
Post-Tax CalcStamp Duty Inc.
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Stocks vs Mutual Funds
Post-tax SIP returns for direct stocks vs MF. LTCG/STCG tax calculator, expense ratio impact, and investor-type verdict.
LTCG/STCG AwareSIP Calculator
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ETF vs Active Mutual Fund
How expense ratio compounds against alpha over 20 years. Direct plan vs regular plan cost calculator.
Expense CalcAlpha vs Cost
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ELSS vs Tax-Saver FD
Best 80C investment? ELSS: 3-year lock-in + equity returns + LTCG 12.5% vs Tax-Saver FD: 5-year lock-in + guaranteed but slab-taxable returns.
80C Optimiser3yr vs 5yr Lock-in
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Debt MF vs FD
Post-April 2023: same slab tax, but debt MF wins on daily liquidity, no TDS, SWP income, and tax-deferral compounding. Liquid fund vs FD for short-term.
Post-2023 RulesLiquidity Focus
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PPF vs FD
PPF at 7.1% tax-free vs FD at 9% taxable — the real post-tax winner at each tax slab. Break-even FD rate calculator included.
EEE StatusPost-Tax Calc
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ULIP vs Mutual Fund
The great mis-selling debate. ULIP charges (mortality + admin + fund) vs Term Insurance + Direct MF — who wins after 15 years?
Charge Trap ExposedReal Returns
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Real Estate vs Stocks
True post-cost comparison. Stamp duty 6%, maintenance 1%/yr, rental yield vs equity CAGR. Which actually builds more wealth over 15 years?
True Cost CalcPost-Tax Returns
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Market Cap Comparison
Large Cap vs Mid Cap vs Small Cap — SIP corpus, drawdown comparison and recommended allocation across all three market cap segments.
3-Way ComparisonCrash Scenarios
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Personal Loan vs Credit Card
PL at 10-24% vs CC revolving at 36-47% APR. Total interest calculator, minimum due trap exposed, balance transfer strategy.
APR ComparisonEMI Calculator
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Personal Loan vs Credit Card EMI
PL at 10.5–24% vs CC EMI at 13–24% or revolving at 36–47% APR. True total cost calculator with processing fees, monthly EMI comparison and breakeven chart.
True Cost CalcFee Inclusive
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Personal Loan vs Gold Loan
Gold loans at 7.5–17% p.a. vs PL at 10.5–24%. LTV ratio calculator, EMI vs bullet repayment, gold auction risk explained. When to pledge vs stay unsecured.
LTV CalcBullet Repayment
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Bank vs NBFC Loan
Rate comparison + EMI calculator for your CIBIL score. When NBFC speed is worth the rate premium vs bank rates for home, personal and business loans.
EMI CalculatorCIBIL Aware
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EMI vs Lump Sum Repayment
Should you repay your loan in EMIs or pay it off now? Live calculator with opportunity cost analysis — when investing wins vs paying off debt.
Opportunity CostInvestment vs Debt
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Car Loan vs Lease
Monthly EMI vs lease payment, total cost including resale value, and when salary-sacrifice car leasing saves tax in India.
Total Cost CalcTax Saving
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Credit vs Debit Card
Annual cashback calculator. Credit cards earn 1–5% on every spend — but only if you clear the full bill. Debit is safer for impulsive spenders.
Cashback CalculatorCIBIL Building
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Multi-Card vs Single Card
Live rewards calculator by spend category. See how much a 3-card optimised stack earns vs one generic card after fees. Includes ideal India card stack.
Rewards CalculatorCIBIL Impact
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Credit Card vs BNPL
Buy Now Pay Later vs credit card — cost calculator, hidden fee analysis, CIBIL impact and when BNPL 0% is actually free in India 2026.
BNPL Hidden CostCIBIL Risk
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NPS vs PPF
Retirement corpus comparison. PPF EEE (100% tax-free) vs NPS market returns + extra ₹50K deduction. Annuity impact calculated.
Tax-Free Calc80CCD Aware
Investment Strategy
Investment Comparisons

Side-by-side breakdowns with live calculators — find what actually works for your goals

■ HIGH PRIORITY
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Health Insurance Compare
Individual vs Family Floater vs Super Top-Up — live premium estimator, plan comparison, 80D tax benefit and buying guide for India 2026.
Premium Estimator80D Guide
■ HIGH PRIORITY
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PPF vs ELSS — 80C Comparison
Live calculator: PPF EEE (7.1% guaranteed) vs ELSS (13% CAGR, 3-yr lock-in). See post-tax corpus at your slab. Decide which 80C gives more.
80C Live CalcEEE vs LTCG
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SIP vs Lump Sum
Which strategy creates more wealth? Live calculator with 20-year Sensex data + rupee-cost averaging explained.
Live Calculator20-yr Data
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Lump Sum vs SIP
Live calculator + data-backed analysis. Which strategy builds more wealth? Includes step-up SIP, STP strategy, rupee cost averaging and 20-year Nifty data.
Live CalculatorStep-Up SIP
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MF vs Fixed Deposit
Post-tax return comparison — FD interest vs equity LTCG with your tax slab. Includes debt MF tax changes (2023).
Post-Tax CalcTax Slab Aware
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MF vs Gold
20-year returns, inflation hedge, Gold ETF vs SGB vs physical gold — complete data-backed comparison.
Gold ETF · SGBReturn Calculator
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Real Estate vs Mutual Fund
India's most debated investment choice. Live calculator: property vs SIP with home loan leverage, stamp duty, rental income, LTCG and total cost factored in.
Leverage EffectPost-Tax Calc
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SIP vs FD vs RD
Three-way post-tax return comparison. ₹10K/month for 10 years — which gives the best corpus after tax? Live calculator with risk, liquidity, and goal-match analysis.
Post-Tax Calc3-Way Compare
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Gold vs Equity
20-year return data: Nifty 50 ~14% CAGR vs Gold ~11% CAGR. Post-tax analysis, SGB tax-free advantage, crisis behaviour and ideal portfolio allocation.
SGB Tax-Free20-yr Data
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Hybrid vs Equity MF
Risk-return trade-off calculator. Balanced Advantage Fund vs pure equity — drawdown comparison, SWP suitability, and tax treatment for each category.
Drawdown CalcRisk Profile Match
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Index vs Active Fund
SPIVA India data: 82% of large cap active funds underperform Nifty 50 over 10 years. Alpha survival calculator — does your fund's alpha beat its cost?
SPIVA DataAlpha Calculator
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Dividend vs Growth MF
IDCW dividends taxed at slab rate (up to 30%). Growth plan gains taxed at 12.5% LTCG — deferred to redemption. Tax drag calculator shows how much compounding you lose.
IDCW Myth BustedTax Drag Calc
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Direct vs Regular MF
Regular plan pays 0.5–1% trail commission to your distributor every year — forever, from your growing corpus. Commission cost calculator + step-by-step switch guide.
Commission CalcSwitch Guide
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India vs US Investing
Nifty 50 vs S&P 500 in INR — currency-adjusted return calculator. LRS limits, TCS rules, US estate tax, and the ideal India + US allocation for Indian investors.
INR-Adj ReturnsLRS & TCS Guide
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Crypto vs Equity
Crypto taxed at flat 30% in India — no LTCG benefit, no loss set-off, 1% TDS per trade. Equity LTCG is 12.5%. Post-tax wealth calculator shows the true break-even crypto CAGR.
30% Tax RealityBreak-Even Calc
Tax Planning
Tax Comparisons

Optimise your 80C, HRA and home loan deductions — data-backed comparison tools

HIGH PRIORITY
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ELSS vs PPF vs NPS
3-way 80C comparison with live corpus calculator. ELSS returns 12–15% vs PPF 7.1% EEE vs NPS 10% + extra ₹50K deduction. See net corpus at your tax slab.
Live Calculator3-Way Compare
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Tax Saving vs Liquidity
How to balance 80C lock-in with accessible savings. Score your tax-liquidity balance and find your optimal allocation between locked vs liquid investments.
Balance ScoreLock-in Guide
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Rent vs Home Loan Tax Benefit
Live calculator: HRA exemption (Sec 10-13A) vs home loan deduction (Sec 24b + 80C). Can you claim BOTH? Old vs New regime comparison.
HRA CalculatorSection 24b
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PPF vs ELSS
PPF EEE guaranteed 7.1% vs ELSS 13% CAGR with 3-yr lock-in. Net corpus calculator at your tax slab. The 80C instrument showdown.
80C Live CalcEEE vs LTCG
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FD vs ELSS — Tax Comparison
Live post-tax calculator: FD interest taxed at your slab vs ELSS LTCG at 12.5%. See the true after-tax corpus difference — ELSS usually wins by 40–80% at 30% slab.
Post-Tax CalcBreak-Even Rate
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Investment vs Tax Priority
Step-by-step framework: emergency fund → insurance → 80C → NPS → equity SIP. Personalised priority score with your next optimal financial action.
Priority ScoreAction Plan
Life Decisions
Life Decision Tools

Major life choices with real financial impact — data-backed tools to decide with confidence

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City Cost Comparison
12 cities compared — Mumbai, Bengaluru, Pune, Jaipur, Indore and more. Monthly budget by lifestyle level with salary equivalence calculator for relocation.
12 CitiesSalary Equiv.
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Salary vs ESOP
Risk-adjusted ESOP value calculator. Company stage discount, vesting analysis and when stock options are worth more than a higher cash salary.
Risk-AdjustedVesting Calc
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Car vs Rideshare
True monthly cost: car ownership (EMI + fuel + parking + depreciation) vs Ola/Uber/auto. Breakeven km analysis with 5-year total cost chart.
True CostBreakeven Calc
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Single vs Dual Income Family
Net household income calculator with tax slab splitting advantage, childcare offset and home loan eligibility. See the true dual income advantage.
Tax Slab SplitNet Income
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Urban vs Tier-2 City
10-year wealth projection: metro salary vs Tier-2 salary. See when Tier-2 higher savings rate builds more corpus despite a lower income.
Savings Rate10-yr Wealth
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Govt vs Private Job
Lifetime wealth comparison: govt salary + NPS + pension perks vs private salary + self-built corpus. Includes job security premium and retirement income.
Lifetime WealthPension Calc
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Education: India vs Abroad
Full cost calculator for IIT/IIM vs USA/UK/Canada. Total cost (tuition + living + forex), ROI breakeven years, scholarship impact and the right choice for your career goal.
Cost CalculatorROI Breakeven
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Large cap, ELSS, index funds
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Best Home Loans
Rates from 8 banks compared
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Best Personal Loans
Instant disbursal, 10 lenders
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SIP vs Lump Sum
Which strategy creates more?
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MF vs Fixed Deposit
Post-tax return comparison
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MF vs Gold
20-year returns compared
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EMI Calculator
Calculate your loan EMI

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