SIP Calculator vs FD Calculator — Side-by-Side Comparison
SIP in equity mutual funds has historically returned 12–15% CAGR over 10 years, while FDs offer guaranteed 6.5–7.5% p.a. Use the SIP calculator for wealth creation goals 5+ years away, and the FD calculator for near-term, capital-safe needs. Running both side-by-side shows the compounding difference in rupee terms.
Sip Calculator
Total Invested
₹6,00,000
Estimated Returns
₹5,61,695
Total Value
₹11,61,695
Investment Growth Breakdown
InvestedReturns
Year-by-Year Growth
1
2
3
4
5
6
7
8
9
10
| Year | Total Invested | Total Value |
|---|---|---|
| 1 | ₹60,000 | ₹64,047 |
| 2 | ₹1,20,000 | ₹1,36,216 |
| 3 | ₹1,80,000 | ₹2,17,538 |
| 4 | ₹2,40,000 | ₹3,09,174 |
| 5 | ₹3,00,000 | ₹4,12,432 |
| 6 | ₹3,60,000 | ₹5,28,785 |
| 7 | ₹4,20,000 | ₹6,59,895 |
| 8 | ₹4,80,000 | ₹8,07,633 |
| 9 | ₹5,40,000 | ₹9,74,108 |
| 10 | ₹6,00,000 | ₹11,61,695 |
📈
Groww
SponsoredIndia's #1 rated investment platform
- Invest in SIP from ₹500/month
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CalcCrack earns a commission when you apply through this link — at no extra cost to you.
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Zerodha Coin
SponsoredDirect mutual fund SIPs at zero commission
- No brokerage, no commission
- 1500+ direct mutual fund schemes
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CalcCrack earns a commission when you apply through this link — at no extra cost to you.
Fd Calculator
Principal
₹1,00,000
Interest Earned
₹23,144
Maturity Amount
₹1,23,144
Calculated with quarterly compounding (standard for most Indian banks). Actual maturity may vary by bank.
💰
Bajaj Finserv
SponsoredFD rates up to 8.85% — higher than most banks
- ICRA AAA / CRISIL FAAA rated
- Cumulative + non-cumulative options
- Seniors get additional 0.40%
CalcCrack earns a commission when you apply through this link — at no extra cost to you.
Frequently Asked Questions
Is SIP better than FD for long-term investment?+
Yes, for horizons of 5 years or more, SIP in diversified equity mutual funds has historically outperformed FDs significantly. However, SIP returns are market-linked and not guaranteed, whereas FD returns are fixed. Use the SIP calculator above to model your expected corpus and the FD calculator to see the guaranteed alternative.
Can I use both SIP and FD at the same time?+
Absolutely. Many investors keep 3–6 months of expenses in an FD as an emergency fund while running a parallel SIP for long-term wealth building. Use both calculators to size each bucket correctly based on your income and goals.
Which gives higher returns — SIP or FD?+
SIP in equity mutual funds typically gives higher returns over the long run (12–15% CAGR vs 6.5–7.5% for FDs), but FD returns are guaranteed while SIP returns depend on market performance. The difference in corpus after 10 years on ₹10,000/month can be ₹20–30 lakh more with SIP.
Disclaimer: This comparison is for informational purposes only and does not constitute financial or medical advice. Always consult a qualified professional before making financial or health decisions.