FD vs SIP Calculator in Ahmedabad
Should your monthly savings go into a safe recurring deposit or a market-linked SIP? Enter the same monthly amount, the period, the FD rate and an expected SIP return to compare both side by side. The FD gives a fixed, bank-contracted, taxable return; the SIP carries market risk but far higher long-term potential.
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How it's calculated
The formula
FD/RD maturity = R × [((1 + if)ⁿ − 1) ÷ if] with monthly compounding. SIP maturity = R × [((1 + is)ⁿ − 1) ÷ is] × (1 + is) (annuity due). Both use the same monthly amount R; the difference is the rate.
Assumptions
- Constant FD and SIP returns for the whole period.
- FD shown as a monthly recurring deposit; returns gross of TDS and capital-gains tax.
- Equity SIP returns are market-linked and not guaranteed.
Sources
Real-world scenarios
See exactly how the numbers play out in the situations people actually face — so there are no surprises before you commit.
₹10,000 a month for 15 years
Put ₹10,000 a month into an FD/RD at 7% for 15 years and you reach about ₹32 lakh; the same amount in equity SIPs at 12% reaches roughly ₹50 lakh — an ₹18 lakh head start for the SIP. Over long horizons, the return gap compounds into a very large rupee gap.
Safety vs growth
An FD guarantees the outcome but barely beats inflation after tax; a SIP can fall short of its average in a bad stretch but has historically rewarded patience handsomely. The right choice depends entirely on how many years you can stay invested.
Most people need both
Use FDs/RDs for near-term, must-not-lose money — an emergency fund, a goal under three years — and SIPs for long-term wealth. It is not FD versus SIP so much as FD for safety and SIP for growth, in the right proportion for your goals.
Illustrative figures on standard reducing-balance / compounding assumptions — your actual numbers may vary.
Frequently asked questions
The details worth knowing before you rely on these numbers.
Is an FD or a SIP better?
It depends on your horizon and risk appetite. An FD gives fixed, contractual returns ideal for short-term goals and capital safety. A SIP in equity funds is market-linked — riskier short term but with much higher long-term potential. For goals 7+ years away, SIPs have historically won comfortably.
How does this FD vs SIP calculator work?
It invests the same monthly amount in a recurring deposit (compounded monthly) and in a SIP (compounded at your expected return), then compares the maturity value of each, year by year.
Are SIP returns guaranteed like an FD?
No. FD returns are fixed and contractual. SIP returns are market-linked and not guaranteed — the figure shown is an estimate based on the return you assume.
Which is more tax-efficient?
SIPs are usually more tax-efficient. FD interest is fully taxed at your slab every year, while equity SIP gains are taxed only on redemption, with long-term gains taxed at a lower rate above an exemption.
Should I split between FD and SIP?
Often yes. A common approach is FDs/RDs for your emergency fund and short-term goals, and SIPs for long-term wealth creation — combining safety with growth.
Can I lose money in a SIP but not in an FD?
Yes. An equity SIP can show a loss in the short run if markets fall, because its value moves with the market — while an FD’s principal is protected and insured up to ₹5 lakh. Over long horizons equity has historically recovered and out-earned FDs, but the trade-off for that potential is real short-term volatility, and returns are not guaranteed.
How do I choose between an FD and a SIP for a specific goal?
Let the time horizon lead. For money you need within two or three years, capital safety matters most, so an FD or RD fits. For a goal five to seven years away or more, an equity SIP’s growth potential usually wins despite the interim ups and downs. Matching the instrument to the horizon matters more than chasing the highest headline return.
Is a hybrid fund a middle path between an FD and a SIP?
It can be. Hybrid or balanced funds hold a mix of equity and debt, so they aim for steadier returns than a pure equity SIP with more growth potential than an FD. They still carry market risk and are not guaranteed, but for a medium horizon or a first-time investor easing in, they can be a sensible middle ground.
Is this FD vs SIP calculator free?
Yes — it is free, needs no sign-up, and runs entirely in your browser. Your inputs stay on your device unless you choose to speak with an Apex TechFin advisor.
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