SIP Calculator vs PPF Calculator — Side-by-Side Comparison
PPF offers tax-free returns of ~7.1% p.a. with complete safety and EEE tax status, making it ideal for conservative long-term savers. SIP in equity mutual funds can yield 12–15% CAGR but comes with market risk. Use both calculators to weigh post-tax wealth creation across your investment horizon.
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
- Zero commission direct mutual funds
- Free stock demat account
CalcHub earns a commission when you apply through this link — at no extra cost to you.
💎
Zerodha Coin
SponsoredDirect mutual fund SIPs at zero commission
- No brokerage, no commission
- 1500+ direct mutual fund schemes
- Backed by India's largest broker
CalcHub earns a commission when you apply through this link — at no extra cost to you.
Ppf Calculator
Total Invested
₹22,50,000
Interest Earned
₹18,18,209
Maturity Value
₹40,68,209
PPF interest is compounded annually. Current rate: 7.1% p.a. (Q1 FY 2025-26). Minimum lock-in: 15 years. Interest is fully tax-exempt under Section 10(11).
Frequently Asked Questions
Is SIP better than PPF for retirement savings?+
SIP can build a larger corpus over 15–20 years due to higher potential returns, but PPF provides guaranteed, tax-free growth backed by the Government of India. Most financial planners recommend holding both: PPF for the debt/safe portion and SIP for the equity/growth portion of your portfolio.
Can I invest in both SIP and PPF?+
Yes. You can invest up to ₹1.5 lakh/year in PPF (eligible for Section 80C deduction) and any amount in SIP. Both are complementary — PPF anchors your portfolio with safety while SIP drives long-term growth.
Which gives higher returns — SIP or PPF?+
SIP in equity mutual funds generally gives higher nominal returns (12–15% CAGR) vs PPF (currently 7.1% p.a., tax-free). However, after accounting for the tax exemption on PPF interest, the effective post-tax difference narrows for investors in the 30% tax bracket.
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.