SIP vs FD Calculator
Compare SIP and FD returns after estimated tax and inflation. Adjust amount, years, return, FD rate, tax slab and inflation in this free calculator.
మీ ఫలితాన్ని లెక్కించండి
మీ సంఖ్యలు నమోదు చేయండి. మార్చినప్పుడు అంచనా, చార్ట్‌లు నవీకరించబడతాయి.
Comparison assumptions
- SIP after-tax corpus
- ₹27,37,148
- Gross ₹29,04,238 · estimated capital-gains tax ₹1,67,090
- FD after-tax corpus
- ₹25,75,804
- Gross ₹28,58,338 · estimated tax ₹2,82,534
- SIP in today’s rupees
- ₹16,80,372
- After tax and inflation
- FD in today’s rupees
- ₹15,81,320
- After tax and inflation
మీ లెక్కలు ఏమి చెబుతున్నాయి
SIP leaves you ₹99.05K more in today’s money (6% more).
Equity SIPs are volatile year to year, but over longer periods the higher expected return usually outweighs that.
The SIP needs to earn about 10.9% a year just to match this FD.
Your 12.0% assumption gives a cushion of 1.1% points if markets disappoint.
Tax takes ₹2.83L (21%) of your FD interest.
FD interest is taxed at your slab rate, while the SIP’s estimated capital-gains tax is ₹1.67L.
లెక్కించే విధానం: ప్రతి వాయిదా నెల ప్రారంభంలో పెట్టుబడి అవుతుంది, ప్రతి నెలా వార్షిక రాబడి ÷ 12 రేటుతో పెరుగుతుంది (ఏడాదికి 12% = నెలకు 1%). చాలా భారతీయ SIP కాలిక్యులేటర్లు ఇదే పద్ధతి వాడతాయి. ఫండ్ అసలు రాబడి మారవచ్చు; హామీ లేదు.
SIP is ahead in today’s purchasing power under these assumptions.
After tax, at maturity
Projected corpus after estimated tax, before adjusting for inflation.
- SIP₹27,37,148
- FD₹25,75,804
After tax, in today’s rupees
The same corpus adjusted for your inflation assumption. Both charts use the same scale.
- SIP₹16,80,372
- FD₹15,81,320
Tax estimate: SIP assumes an equity mutual fund, one sale at the end, equity STCG/LTCG rates effective from 23 July 2024 and one annual LTCG exemption. Holdings of exactly 12 months are short-term. The selected slab applies to FD interest; quarterly FD compounding is before tax, with tax approximated on total interest at maturity. Duration is rounded to the nearest month. Actual tax depends on exact holding dates, cash flows, other gains, deductions and tax rules.
మీ లెక్కను అర్థం చేసుకోండి
Compare a fixed total investment split into equal monthly equity mutual fund SIP instalments, each invested at the start of the month, with the same amount deposited into a fixed deposit today. Set the investment amount, duration, expected SIP return, FD rate, your income-tax slab and inflation. The calculator estimates both final corpora after tax, converts them into today’s purchasing power and shows the real-value difference. SIP returns are market-linked assumptions, while an FD rate is contractual for its stated terms. The projection is a planning comparison, not a promise of return or a tax-filing calculation.
SIP vs FD Calculator ను ఎలా ఉపయోగించాలి
- 1
Enter the total amount
This amount becomes the FD principal and the total split across SIP instalments.
- 2
Choose a duration
Set the number of years both investments run.
- 3
Set return assumptions
Enter an expected SIP return and the FD interest rate.
- 4
Add tax and inflation
Choose your marginal tax slab for FD interest and an annual inflation assumption.
- 5
Compare real corpora
Review both after-tax results, their inflation-adjusted values and the difference.
ఉదాహరణ
₹15 lakh over 10 years, 20% slab
₹15,00,000 split over 120 months is a ₹12,500 SIP. At 12% a year (1% a month) it grows to ₹29,04,238. The first 108 instalments are held more than 12 months, so their gains are long-term; the last 12 are short-term. Capital-gains tax with 4% cess comes to ₹1,67,090. The FD gets all ₹15,00,000 on day one at 6.5% compounded quarterly: ₹15,00,000 × (1 + 0.065 ÷ 4)^40 = ₹28,58,338. Tax on its ₹13,58,338 interest at 20% plus cess is ₹2,82,534. Both after-tax figures are then divided by 1.05^10 for 5% inflation.
- SIP value before tax
- ₹29,04,238
- SIP after tax
- ₹27,37,148
- SIP in today's money
- ₹16,80,372
- FD maturity before tax
- ₹28,58,338
- FD after tax
- ₹25,75,804
- FD in today's money
- ₹15,81,320
- Real difference in favour of the SIP
- ₹99,052
The SIP is only ₹45,900 ahead before tax. Most of its lead comes from tax: slab-rate tax on FD interest versus mostly long-term capital-gains rates on the SIP. Drop the SIP return to 10% or move to a lower slab and the gap can flip.
ఇది ఎలా లెక్కించబడుతుంది
SIP leg: the total amount is divided by the number of months to get the instalment. Each instalment is invested at the start of its month and grows at r = annual return ÷ 12, so instalment k of n is worth SIP × (1 + r)^(n − k + 1) at exit. This start-of-month, annual ÷ 12 method is the one most Indian SIP calculators use, and it matches the SIP calculator on this site.
SIP tax: instalments held more than 12 months are long-term and the rest short-term. Tax is (max(0, long-term gains − ₹1,25,000) × 12.5% + short-term gains × 20%) × 1.04, charged once at the end.
FD leg: maturity = amount × (1 + rate ÷ 4)^(4 × years), with tax of interest × slab × 1.04 charged at maturity. Both after-tax corpora are divided by (1 + inflation)^years to express them in today's money. The duration is rounded to the nearest month for both legs.
అనుమానాలు మరియు పరిమితులు
- The SIP is treated as an equity-oriented mutual fund. Equity STCG/LTCG rates, 4% cess and one annual LTCG exemption are applied at a single exit; loss set-offs, surcharge, fees, other gains and individual tax circumstances are excluded.
- The selected slab plus 4% cess is applied to total FD interest at maturity as an estimate. In practice, FD interest is taxable as it accrues and the result can differ.
- The same total capital is used for both paths, but the FD is invested upfront and SIP contributions are invested monthly, at the start of each month. Uninvested SIP capital earns no return.
- The SIP's monthly growth rate is the annual return ÷ 12. FD interest is a nominal annual rate compounded quarterly. Duration is rounded to the nearest month for both paths.
- Returns, rates and inflation are user assumptions. This is not investment, tax or deposit-insurance advice.
తరచుగా అడిగే ప్రశ్నలు
Does a SIP always give higher returns than an FD?
No. SIP returns depend on market performance and can be negative or lower than the assumed rate. FD rates are fixed for the deposit term, subject to the bank’s terms and applicable risks.
How does this calculator tax SIP returns?
It assumes an equity-oriented mutual fund and separates instalments held more than 12 months from those held 12 months or less. Equity rates effective from 23 July 2024, 4 percent cess and one annual LTCG exemption are applied at the final sale. Month counts approximate holding dates; exact calendar dates can change the tax classification. It is an estimate, not a tax return.
Where does my income-tax slab apply?
The selected slab applies to estimated FD interest, with 4% cess added and surcharge excluded. Equity mutual-fund capital gains are taxed under separate rates rather than your slab.
Are the SIP and FD cash flows identical?
They use the same total capital, not the same timing. The FD is funded in full on day one; the SIP amount is invested evenly at the start of each month. The SIP’s uninvested balance is assumed to earn nothing.
How is inflation-adjusted corpus calculated?
Each estimated post-tax corpus is divided by (1 + annual inflation rate) raised to the investment duration. The result is expressed in today’s rupees.
Does the FD tax estimate reflect yearly tax payments?
No. The estimate applies the selected slab and cess to total interest at maturity. FD interest is generally taxable as it accrues, so actual post-tax compounding can differ.
Why is the FD ahead before tax in some scenarios?
The FD has the whole amount earning interest from the first day, while the SIP only finishes investing in its final month, so the later instalments have little time to grow. At 12 percent for the SIP and 7 percent for the FD over 10 years, the FD can still lead before tax. If the full amount is genuinely available today, compare a lumpsum in equity using the lumpsum calculator as well.