SIP vs FD Calculator
Compare Systematic Investment Plan (SIP) and Fixed Deposit (FD) returns to find the better investment option for your money.
📊 Investment Results
Total Investment
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SIP Maturity Value
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FD Maturity Value
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Assumption: FD return is calculated as a lump-sum investment equal to the total SIP amount.
SIP vs FD – Which is Better?
SIP vs FD Calculator helps you compare long-term returns from Systematic Investment Plans (SIP) and Fixed Deposits (FD). Enter your investment amount, duration, and expected returns to see which option suits your financial goals.
SIP vs FD – Investment Comparison Explained
A Systematic Investment Plan (SIP) allows you to invest a fixed amount regularly in mutual funds, benefiting from market growth and compounding. Fixed Deposits (FD), on the other hand, offer guaranteed returns with low risk but limited growth potential.
This SIP vs FD calculator compares both investment options using your input values to estimate maturity amounts. It helps investors understand how market-linked returns differ from fixed interest investments over time.
SIP vs FD: Key Differences
| Feature | SIP | Fixed Deposit |
|---|---|---|
| Risk Level | Market-linked (Moderate to High) | Low Risk |
| Expected Returns | Higher (Long Term) | Lower but Stable |
| Liquidity | High (subject to market) | Limited (penalty on early withdrawal) |
| Best For | Wealth creation | Capital protection |
Which Investment Option Is Better for You?
- ✔ Choose SIP if you want long-term growth and can tolerate market fluctuations.
- ✔ Choose FD if you prefer guaranteed returns with minimal risk.
- ✔ A balanced portfolio may include both SIP and FD investments.
Disclaimer: This calculator provides estimates for educational purposes only. SIP returns are market-linked and not guaranteed. FD returns may vary based on bank policies and taxation. Please consult a financial advisor before investing.