Panasonic TZ95 vs Nikon D3500

The Panasonic Lumix DC-TZ95 (called Panasonic ZS80 in some regions) and the Nikon D3500 are two digital cameras that were revealed to the public, respectively, in February 2019 and August 2018. The TZ95 is a fixed lens compact, while the D3500 is a DSLR. The cameras are based on a 1/2.3-inch (TZ95) and an APS-C (D3500) sensor. The Panasonic has a resolution of 20.2 megapixels, whereas the Nikon provides 24 MP.

Below is an overview of the main specs of the two cameras as a starting point for the comparison.

Headline Specifications

Panasonic TZ95		Nikon D3500
Fixed lens compact camera		Digital single lens reflex
24-720mm f/3.3-6.4		Nikon F mount lenses
20.2 MP – 1/2.3" sensor		24 MP – APS-C sensor
4K/30p Video		1080/60p Video
ISO 80-3,200 (80 - 6,400)		ISO 100-25,600
Electronic viewfinder (2330k dots)		Optical viewfinder
3.0" LCD – 1040k dots		3.0" LCD – 921k dots
Tilting touchscreen		Fixed screen (not touch-sensitive)
10 shutter flaps per second		5 shutter flaps per second
380 shots per battery charge		1550 shots per battery charge
112 x 69 x 42 mm, 327 g		124 x 97 x 70 mm, 415 g

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Going beyond this snapshot of core features and characteristics, what are the differences between the Panasonic Lumix DC-TZ95 and the Nikon D3500? Which one should you buy? Read on to find out how these two cameras compare with respect to their body size, their imaging sensors, their shooting features, their input-output connections, and their reception by expert reviewers.

Body comparison

The physical size and weight of the Panasonic TZ95 and the Nikon D3500 are illustrated in the side-by-side display below. The two cameras are presented according to their relative size. Three consecutive views from the front, the top, and the rear side are shown. All size dimensions are rounded to the nearest millimeter.

The TZ95 can be obtained in two different colors (black, silver), while the D3500 is only available in black.

If the front view area (width x height) of the cameras is taken as an aggregate measure of their size, the Nikon D3500 is considerably larger (56 percent) than the Panasonic TZ95. In this context, it is worth noting that neither the TZ95 nor the D3500 are weather-sealed.

The above size and weight comparisons are to some extent incomplete and possibly misleading, as the TZ95 has a lens built in, whereas the D3500 is an interchangeable lens camera that requires a separate lens. Attaching the latter will add extra weight and bulk to the setup. You can compare the optics available for the D3500 and their specifications in the Nikon Lens Catalog.

Concerning battery life, the TZ95 gets 380 shots out of its Panasonic DMW-BLG10 battery, while the D3500 can take 1550 images on a single charge of its Nikon EN-EL14a power pack. The power pack in the TZ95 can be charged via the USB port, so that it is not always necessary to take the battery charger along when travelling.

The table below summarizes the key physical specs of the two cameras alongside a broader set of comparators. If you want to switch the focus of the display and review another camera pair, you can move across to the CAM-parator tool and choose from the broad selection of possible camera comparisons there.

Body Specifications

#		Camera Model	Camera Width	Camera Height	Camera Depth	Camera Weight	Battery Life	Weather Sealing	Camera Launch	Launch Price (USD)	Street Price
1.		Panasonic TZ95	112 mm	69 mm	42 mm	327 g	380	n	Feb 2019	449	ebay.com
2.		Nikon D3500	124 mm	97 mm	70 mm	415 g	1550	n	Aug 2018	429	ebay.com
3.		Canon SX740	110 mm	64 mm	40 mm	299 g	265	n	Jul 2018	399	amazon.com
4.		Fujifilm X-A5	117 mm	68 mm	40 mm	361 g	450	n	Jan 2018	399	ebay.com
5.		Fujifilm XF10	113 mm	64 mm	41 mm	279 g	330	n	Jul 2018	499	ebay.com
6.		Nikon D5600	124 mm	97 mm	70 mm	465 g	970	n	Nov 2016	699	ebay.com
7.		Nikon D3400	124 mm	98 mm	76 mm	445 g	1200	n	Aug 2016	499	ebay.com
8.		Nikon D3300	124 mm	98 mm	76 mm	430 g	700	n	Jan 2014	499	ebay.com
9.		Nikon D5300	125 mm	98 mm	76 mm	480 g	600	n	Oct 2013	799	ebay.com
10.		Nikon D3200	125 mm	96 mm	77 mm	505 g	540	n	Apr 2012	599	ebay.com
11.		Panasonic FT7	117 mm	76 mm	37 mm	319 g	300	Y	May 2018	449	ebay.com
12.		Panasonic LX100 II	115 mm	66 mm	65 mm	392 g	300	n	Aug 2018	999	ebay.com
13.		Panasonic TZ200	111 mm	65 mm	45 mm	340 g	370	n	Feb 2018	799	amazon.com
14.		Panasonic TZ90	112 mm	67 mm	41 mm	322 g	380	n	Apr 2017	449	ebay.com
15.		Sony RX100 VI	102 mm	58 mm	43 mm	301 g	240	n	Jun 2018	1,199	ebay.com
16.		Sony HX99	102 mm	58 mm	36 mm	242 g	370	n	Aug 2018	449	ebay.com
Note: Measurements and pricing do not include easily detachable parts, such as add-on or interchangeable lenses or optional viewfinders.
Convert to Imperial

The price is, of course, an important factor in any camera decision. The retail prices at the time of the camera’s release place the model in the market relative to other models in the producer’s line-up and the competition. Usually, retail prices stay at first close to the launch price, but after several months, discounts become available. Later in the product cycle and, in particular, when the replacement model is about to appear, further discounting and stock clearance sales often push the camera price considerably down.

Sensor comparison

The size of the imaging sensor is a crucial determinant of image quality. A large sensor will tend to have larger individual pixels that provide better low-light sensitivity, wider dynamic range, and richer color-depth than smaller pixel-units in a sensor of the same technological generation. Further, a large sensor camera will give the photographer additional creative options when using shallow depth-of-field to isolate a subject from its background. On the downside, larger sensors tend to be associated with larger, more expensive camera bodies and lenses.

Of the two cameras under consideration, the Panasonic TZ95 features a 1/2.3-inch sensor and the Nikon D3500 an APS-C sensor. The sensor area in the D3500 is 1211 percent bigger. As a result of these sensor size differences, the cameras have a format factor of, respectively, 5.6 and 1.5. The sensor in the TZ95 has a native 4:3 aspect ratio, while the one in the D3500 offers a 3:2 aspect.

With 24MP, the D3500 offers a higher resolution than the TZ95 (20.2MP), but the D3500 nevertheless has larger individual pixels (pixel pitch of 3.91μm versus 1.18μm for the TZ95) due to its larger sensor. However, the TZ95 is a somewhat more recent model (by 5 months) than the D3500, and its sensor might have benefitted from technological advances during this time that enhance the light gathering capacity of its pixel-units. Coming back to sensor resolution, it should be mentioned that neither of the two cameras has an anti-alias filter installed, so they are able to capture all the detail the sensor resolves.

The resolution advantage of the Nikon D3500 implies greater flexibility for cropping images or the possibility to print larger pictures. The maximum print size of the D3500 for good quality output (200 dots per inch) amounts to 30 x 20 inches or 76.2 x 50.8 cm, for very good quality (250 dpi) 24 x 16 inches or 61 x 40.6 cm, and for excellent quality (300 dpi) 20 x 13.3 inches or 50.8 x 33.9 cm. The corresponding values for the Panasonic TZ95 are 25.9 x 19.4 inches or 65.8 x 49.4 cm for good quality, 20.7 x 15.6 inches or 52.7 x 39.5 cm for very good quality, and 17.3 x 13 inches or 43.9 x 32.9 cm for excellent quality prints.

The Panasonic Lumix DC-TZ95 has a native sensitivity range from ISO 80 to ISO 3200, which can be extended to ISO 80-6400. The corresponding ISO settings for the Nikon D3500 are ISO 100 to ISO 25600 (no boost).

In terms of underlying technology, the TZ95 is build around a BSI-CMOS sensor, while the D3500 uses a CMOS imager. Both cameras use a Bayer filter for capturing RGB colors on a square grid of photosensors. This arrangement is found in most digital cameras.

Since 2007, DXO Mark has published sensor performance measurements that have been derived using a consistent methodology. This service determines an overall sensor rating, as well as sub-scores for low-light sensitivity ("DXO Sports"), dynamic range ("DXO Landscape"), and color depth ("DXO Portrait"). The following table provides an overview of the physical sensor characteristics, as well as the sensor quality measurements for a selection of comparators.

Sensor Characteristics

#		Camera Model	Sensor Class	Resolution (MP)	Horiz. Pixels	Vert. Pixels	Video Format	DXO Portrait	DXO Landscape	DXO Sports	DXO Overall
1.		Panasonic TZ95	1/2.3	20.2	5184	3888	4K/30p	20.7	12.2	1103	52
2.		Nikon D3500	APS-C	24.0	6000	4000	1080/60p	24.0	13.4	1851	83
3.		Canon SX740	1/2.3	20.2	5184	3888	4K/30p	20.6	12.1	1050	51
4.		Fujifilm X-A5	APS-C	24.0	6000	4000	4K/15p	24.0	13.3	1800	82
5.		Fujifilm XF10	APS-C	24.0	6000	4000	4K/15p	24.0	13.4	1844	83
6.		Nikon D5600	APS-C	24.0	6000	4000	1080/60p	24.1	14.0	1306	84
7.		Nikon D3400	APS-C	24.0	6000	4000	1080/60p	24.8	13.9	1192	86
8.		Nikon D3300	APS-C	24.0	6000	4000	1080/60p	24.3	12.8	1385	82
9.		Nikon D5300	APS-C	24.0	6000	4000	1080/60p	24.0	13.9	1338	83
10.		Nikon D3200	APS-C	24.1	6016	4000	1080/30p	24.1	13.2	1131	81
11.		Panasonic FT7	1/2.3	20.2	5184	3888	4K/30p	20.6	12.1	1028	51
12.		Panasonic LX100 II	Four Thirds	16.8	4736	3552	4K/30p	22.8	12.7	979	72
13.		Panasonic TZ200	1-inch	20.0	5472	3648	4K/30p	22.0	12.2	449	64
14.		Panasonic TZ90	1/2.3	20.2	5184	3888	4K/30p	19.1	10.6	106	36
15.		Sony RX100 VI	1-inch	20.0	5472	3648	4K/30p	22.1	12.3	478	64
16.		Sony HX99	1/2.3	18.0	4896	3672	4K/30p	20.6	12.1	1058	51
Note: DXO values in italics represent estimates based on sensor size and age.

Many modern cameras are not only capable of taking still images, but also of capturing video footage. Both cameras under consideration have a sensor with sufficiently fast read-out times for moving pictures, but the TZ95 provides a higher video resolution than the D3500. It can shoot video footage at 4K/30p, while the Nikon is limited to 1080/60p.

Feature comparison

Beyond body and sensor, cameras can and do differ across a range of features. For example, the TZ95 has an electronic viewfinder (2330k dots), while the D3500 has an optical one. Both systems have their advantages, with the electronic viewfinder making it possible to project supplementary shooting information into the framing view, whereas the optical viewfinder offers lag-free viewing and a very clear framing image. The viewfinder in the TZ95 offers a wider field of view (100%) than the one in the D3500 (95%), so that a larger proportion of the captured image is visible in the finder. On the other hand, the viewfinder of the D3500 has a higher magnification (0.57x vs 0.53x), so that the size of the image transmitted appears closer to the size seen with the naked human eye. The adjacent table lists some of the other core features of the Panasonic TZ95 and Nikon D3500 along with similar information for a selection of comparators.

Core Features

#		Camera Model	Viewfinder (Type or 000 dots)	Control Panel (yes/no)	LCD Specifications (inch/000 dots)	LCD Attach- ment	Touch Screen (yes/no)	Max Shutter Speed *	Max Shutter Flaps *	Built-in Flash (yes/no)	Built-in Image Stab
1.		Panasonic TZ95	2330	n	3.0 / 1040	tilting	Y	1/2000s	10.0/s	Y	Y
2.		Nikon D3500	optical	n	3.0 / 921	fixed	n	1/4000s	5.0/s	Y	n
3.		Canon SX740	none	n	3.0 / 922	tilting	n	1/3200s	10.0/s	Y	Y
4.		Fujifilm X-A5	none	n	3.0 / 1040	tilting	Y	1/4000s	6.0/s	Y	n
5.		Fujifilm XF10	none	n	3.0 / 1040	fixed	Y	1/4000s	6.0/s	Y	n
6.		Nikon D5600	optical	n	3.2 / 1037	swivel	Y	1/4000s	5.0/s	Y	n
7.		Nikon D3400	optical	n	3.0 / 921	fixed	n	1/4000s	5.0/s	Y	n
8.		Nikon D3300	optical	n	3.0 / 921	fixed	n	1/4000s	5.0/s	Y	n
9.		Nikon D5300	optical	n	3.2 / 1037	swivel	n	1/4000s	5.0/s	Y	n
10.		Nikon D3200	optical	n	3.0 / 921	fixed	n	1/4000s	4.0/s	Y	n
11.		Panasonic FT7	1170	n	3.0 / 1040	fixed	n	1/1300s	10.0/s	Y	Y
12.		Panasonic LX100 II	2764	n	3.0 / 1240	fixed	Y	1/4000s	11.0/s	n	Y
13.		Panasonic TZ200	2330	n	3.0 / 1240	fixed	Y	1/2000s	10.0/s	Y	Y
14.		Panasonic TZ90	1166	n	3.0 / 1040	tilting	Y	1/2000s	10.0/s	Y	Y
15.		Sony RX100 VI	2359	n	3.0 / 1229	tilting	Y	1/2000s	24.0/s	Y	Y
16.		Sony HX99	638	n	3.0 / 922	tilting	Y	1/2000s	10.0/s	Y	Y
Note: *) Information refers to the mechanical shutter, unless the camera only has an electronic one.

One differentiating feature between the two cameras concerns the touch sensitivity of the rear screen. The TZ95 has a touchscreen, while the D3500 has a conventional panel. Touch control can be particularly helpful, for example, for setting the focus point.

The reported shutter speed information refers to the use of the mechanical shutter. Yet, some cameras only have an electronic shutter, while others have an electronic shutter in addition to a mechanical one. In fact, the TZ95 is one of those camera that have an additional electronic shutter, which makes completely silent shooting possible. However, this mode is less suitable for photographing moving objects (risk of rolling shutter) or shooting under artificial light sources (risk of flickering).

Concerning the storage of imaging data, both the TZ95 and the D3500 write their files to SDXC cards. Both cameras can use UHS-I cards, which provide for Ultra High Speed data transfer of up to 104 MB/s.

Connectivity comparison

For some imaging applications, the extent to which a camera can communicate with its environment can be an important aspect in the camera decision process. The table below provides an overview of the connectivity of the Panasonic Lumix DC-TZ95 and Nikon D3500 and, in particular, the interfaces the cameras (and selected comparators) provide for accessory control and data transfer.

Input-Output Connections

#		Camera Model	Hotshoe Port	Internal Mic / Speaker	Microphone Port	Headphone Port	HDMI Port	USB Port	WiFi Support	NFC Support	Bluetooth Support
1.		Panasonic TZ95	-	stereo / mono	-	-	micro	2.0	Y	-	Y
2.		Nikon D3500	Y	mono / mono	-	-	mini	2.0	-	-	Y
3.		Canon SX740	-	stereo / mono	-	-	micro	2.0	Y	-	Y
4.		Fujifilm X-A5	Y	stereo / mono	Y	-	micro	2.0	Y	-	Y
5.		Fujifilm XF10	-	stereo / mono	Y	-	micro	2.0	Y	-	Y
6.		Nikon D5600	Y	stereo / mono	Y	-	mini	2.0	Y	Y	Y
7.		Nikon D3400	Y	mono / mono	-	-	mini	2.0	-	-	Y
8.		Nikon D3300	Y	mono / mono	Y	-	mini	2.0	-	-	-
9.		Nikon D5300	Y	stereo / mono	Y	-	mini	2.0	Y	-	-
10.		Nikon D3200	Y	mono / mono	Y	-	mini	2.0	-	-	-
11.		Panasonic FT7	-	stereo / mono	-	-	micro	2.0	Y	-	-
12.		Panasonic LX100 II	Y	stereo / mono	-	-	micro	2.0	Y	-	Y
13.		Panasonic TZ200	-	stereo / mono	-	-	micro	2.0	Y	-	Y
14.		Panasonic TZ90	-	stereo / mono	-	-	micro	2.0	Y	-	-
15.		Sony RX100 VI	-	stereo / mono	-	-	micro	2.0	Y	Y	Y
16.		Sony HX99	-	stereo / mono	-	-	micro	2.0	Y	Y	Y

It is notable that the TZ95 offers wifi support, while the D3500 does not. Wifi can be a very convenient means to transfer image data to an off-camera location.

Both the TZ95 and the D3500 have been discontinued, but can regularly be found used on ebay. Neither of the two has a direct successor, so they represent the end of the respective camera lines from Panasonic and Nikon. Further information on the features and operation of the TZ95 and D3500 can be found, respectively, in the Panasonic TZ95 Manual (free pdf) or the online Nikon D3500 Manual.

Review summary

So what conclusions can be drawn? Is there a clear favorite between the Panasonic TZ95 and the Nikon D3500? Which camera is better? The listing below highlights the relative strengths of the two models.

Arguments in favor of the Panasonic Lumix DC-TZ95:

• Better video: Provides higher definition movie capture (4K/30p vs 1080/60p).
• More framing info: Has an electronic viewfinder that displays shooting data.
• More complete view: Has a viewfinder with a larger field of view (100% vs 95%).
• More detailed LCD: Has a higher resolution rear screen (1040k vs 921k dots).
• More flexible LCD: Has a tilting screen for odd-angle shots in landscape orientation.
• Fewer buttons to press: Is equipped with a touch-sensitive rear screen to facilitate handling.
• More selfie-friendly: Has an articulated screen that can be turned to be front-facing.
• Faster burst: Shoots at higher frequency (10 vs 5 flaps/sec) to capture the decisive moment.
• Less disturbing: Has an electronic shutter option for completely silent shooting.
• Ready to shoot: Comes with a built-in lens, while the D3500 requires a separate lens.
• More compact: Is smaller (112x69mm vs 124x97mm) and thus needs less room in the bag.
• Less heavy: Is lighter even though it comes with a built-in lens (unlike the D3500).
• Easier travel charging: Can be conveniently charged via its USB port.
• Sharper images: Has hand-shake reducing image stabilization built-in.
• Easier file upload: Has wifi built in for automatic backup or image transfer to the web.
• More modern: Is somewhat more recent (announced 5 months after the D3500).

Advantages of the Nikon D3500:

• More detail: Has more megapixels (24 vs 20.2MP), which boosts linear resolution by 11%.
• Better image quality: Features bigger pixels on a larger sensor for higher quality imaging.
• Richer colors: The pixel size advantage translates into images with better, more accurate colors.
• More dynamic range: Larger pixels capture a wider spectrum of light and dark details.
• Better low-light sensitivity: Larger pixels means good image quality even under poor lighting.
• Brighter framing: Features an optical viewfinder for clear, lag-free composition.
• Larger viewfinder image: Features a viewfinder with a higher magnification (0.57x vs 0.53x).
• Faster shutter: Has higher mechanical shutter speed (1/4000s vs 1/2000s) to freeze action.
• More flexible: Makes it possible to change lenses and thus to use specialty optics.
• Longer lasting: Gets more shots (1550 versus 380) out of a single battery charge.
• Better lighting: Features a hotshoe and can thus hold and trigger an external flash gun.
• More heavily discounted: Has been on the market for longer (launched in August 2018).

If the count of relative strengths (bullet points above) is taken as a measure, the TZ95 is the clear winner of the match-up (16 : 12 points). However, the relative importance of the various individual camera aspects will vary according to personal preferences and needs, so that you might like to apply corresponding weights to the particular features before making a decision on a new camera. A professional wedding photographer will view the differences between cameras in a way that diverges from the perspective of a travel photog, and a person interested in cityscapes has distinct needs from a macro shooter. Hence, the decision which camera is best and worth buying is often a very personal one.

How about other alternatives? Do the specifications of the Panasonic TZ95 and the Nikon D3500 place the cameras among the top in their class? Find out in the latest Best Superzoom Camera and Best DSLR Camera listings whether the two cameras rank among the cream of the crop.

In any case, while the specs-based evaluation of cameras can be instructive in revealing their potential as photographic tools, it remains incomplete and does no justice, for example, to the way the TZ95 or the D3500 perform in practice. User reviews, such as those found at amazon, can sometimes inform about these issues, but such feedback is often incomplete, inconsistent, and biased.

Expert reviews

This is where reviews by experts come in. The table below provides a synthesis of the camera assessments of some of the best known photo-gear review sites (amateurphotographer [AP], cameralabs [CL], digitalcameraworld [DCW], dpreview [DPR], ephotozine [EPZ], photographyblog [PB]). As can be seen, the professional reviewers agree in many cases on the quality of different cameras, but sometimes their assessments diverge, reinforcing the earlier point that a camera decision is often a very personal choice.

Expert Camera Reviews

#		Camera   Model	AP   score	CL   score	DCW   score	DPR   score	EPZ   score	PB   score	Camera Launch	Launch Price (USD)	Street Price
1.		Panasonic TZ95	..	+ +	..	..	4.5/5	..	Feb 2019	449	ebay.com
2.		Nikon D3500	4/5	..	4/5	75/100	4/5	4.5/5	Aug 2018	429	ebay.com
3.		Canon SX740	..	+	3.5/5	..	4/5	4/5	Jul 2018	399	amazon.com
4.		Fujifilm X-A5	..	+	4.1/5	..	4/5	3.5/5	Jan 2018	399	ebay.com
5.		Fujifilm XF10	..	..	4/5	75/100	4/5	4.5/5	Jul 2018	499	ebay.com
6.		Nikon D5600	4/5	..	4/5	79/100	4.5/5	4/5	Nov 2016	699	ebay.com
7.		Nikon D3400	4/5	+	4/5	76/100	4/5	4.5/5	Aug 2016	499	ebay.com
8.		Nikon D3300	3/5	+	..	77/100	4.5/5	4.5/5	Jan 2014	499	ebay.com
9.		Nikon D5300	4/5	+ +	..	79/100	4.5/5	4.5/5	Oct 2013	799	ebay.com
10.		Nikon D3200	5/5	+ +	..	73/100	4.5/5	4.5/5	Apr 2012	599	ebay.com
11.		Panasonic FT7	..	+	..	..	3.5/5	3.5/5	May 2018	449	ebay.com
12.		Panasonic LX100 II	4.5/5	+	4.2/5	82/100	4.5/5	4.5/5	Aug 2018	999	ebay.com
13.		Panasonic TZ200	..	+ +	4.5/5	81/100	4.5/5	4.5/5	Feb 2018	799	amazon.com
14.		Panasonic TZ90	..	+ +	4/5	..	4/5	4/5	Apr 2017	449	ebay.com
15.		Sony RX100 VI	4.5/5	+ +	..	83/100	4/5	4.5/5	Jun 2018	1,199	ebay.com
16.		Sony HX99	..	..	..	..	4/5	4.5/5	Aug 2018	449	ebay.com
Note: (+ +) highly recommended; (+) recommended; (o) reviewed; (..) not available.

The review scores listed above should be treated with care, though. The ratings are only valid when referring to cameras in the same category and of the same age. Hence, a score should always be seen in the context of the camera's market launch date and its price, and comparisons of ratings among very different cameras or across long time periods have little meaning. Also, please note that some of the review sites have changed their methodology and reporting over time.

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Other camera comparisons

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