FD vs SIP Comparison
FD vs SIP Comparison lets you compare fixed deposit and SIP returns to support better investment decision making. It works directly in the browser on desktop or mobile, so the result can be reviewed before saving, sharing, printing, exporting, or using it in a larger workflow.
🧮 Comparison Inputs
All values start at 0 so the page stays neutral until the user enters assumptions or taps Sample.
🏦 FD Assumptions
📈 SIP Assumptions
🎯 Comparison Settings
⚡ Quick Presets
📊 Comparison Summary
sticky summary with better option, value gap, goal status and break-even SIP return estimate.
🏦 FD Post-Tax Value
₹0
📈 SIP Post-Tax Estimate
₹0
💸 FD Invested
₹0
💰 SIP Invested
₹0
Year-by-Year Comparison
This table shows invested amount and estimated value on both sides across the tenure so it is easier to compare the path, not just the final number.
| Stage | FD Invested | FD Post-Tax Estimate | SIP Invested | SIP Post-Tax Estimate | Better So Far |
|---|
SIP Return Sensitivity Table
This table estimates how the SIP side changes under different annual-return assumptions while keeping the same contribution pattern, which helps users judge break-even ranges better.
| SIP Return | Total Invested | Post-Tax Estimate | Difference vs FD | Status |
|---|
Best for
Users deciding between fixed deposits and long-term SIP investing for a savings goal.
Keep ready
FD amount, SIP amount, expected return, tenure, and any tax or inflation assumptions you want to compare. This helps you compare scenarios with fewer input mistakes.
Review before final use
FD returns are product-based and SIP returns are market-dependent, so the real outcome can differ from the estimate and should never be treated as a guaranteed investment promise
About This FD vs SIP Calculator
FD vs SIP Calculator helps you compare a fixed deposit outcome with a SIP-based investing scenario so you can see the gap in corpus, contributions, and total growth. You can adjust lump sum or SIP amounts, interest or expected return, tenure, tax assumptions, and comparison outputs and read the result in one place, which is useful when you want a quick estimate without building your own sheet.
It is useful when you are choosing between safer fixed returns and market-linked investing, or when you want to test whether a regular SIP could outperform an FD over time. The page is easier to review on phone as well, because the main inputs, result summary, and supporting notes stay grouped in a cleaner flow.
For a more reliable estimate, keep FD amount, SIP amount, expected return, tenure, and any tax or inflation assumptions you want to compare. Small changes in assumptions can affect the result faster than expected, so it is worth testing more than one scenario before you rely on the output.
Use this page as a planning helper, then confirm the final numbers with the relevant bank, tax rule, invoice, exchange, or provider document. You can also open the FD vs SIP Calculator guide or browse the Finance Calculators section for related tools.
FD vs SIP Calculator FAQ
What can I calculate with FD vs SIP Calculator? FD vs SIP Calculator helps you compare a fixed deposit outcome with a SIP-based investing scenario so you can see the gap in corpus, contributions, and total growth.
Which inputs matter most in FD vs SIP Calculator? Keep FD amount, SIP amount, expected return, tenure, and any tax or inflation assumptions you want to compare. These usually drive the result the most.
Can I use FD vs SIP Calculator on mobile? Yes. The page is designed for phone, tablet, and desktop so you can calculate and review results cleanly on smaller screens.
Does FD vs SIP Calculator include final provider or rule-based outcomes? No. FD returns are product-based and SIP returns are market-dependent, so the real outcome can differ from the estimate and should never be treated as a guaranteed investment promise
Why should I compare more than one scenario? Small differences in expected return, tenure, and contribution pattern can change the final gap sharply, so it helps to test a few inputs before making a decision.
Where can I learn more after using FD vs SIP Calculator? Open the related guide for a walkthrough or browse the Finance Calculators section for similar tools.