SIP vs FD vs PPF Calculator — Quick Reference
The SIP vs FD vs PPF Calculator is an online tool that compare mutual fund SIP returns against Fixed Deposit and PPF for the same investment period. Everything for the SIP vs FD vs PPF Calculator is on this page: the interactive calculator, the formula, a worked example, step-by-step guidance, and frequently asked questions — no other pages required.
At a glance
- Main inputs
- Investment amount (monthly or lumpsum)
- Expected annual return
- Time horizon in years
- Main outputs
- Maturity value
- Total invested
- Estimated returns
Direct answers
What is the SIP vs FD vs PPF Calculator?
The SIP vs FD vs PPF Calculator is an online tool that compare mutual fund SIP returns against Fixed Deposit and PPF for the same investment period.
What formula does the SIP vs FD vs PPF Calculator use?
SIP FV uses compound growth on monthly deposits
How does the SIP vs FD vs PPF Calculator work?
Enter monthly investment amount, expected SIP return, FD rate, PPF yearly deposit and rate. We project maturity values and highlight the best option.
Formula Used
The rule below is what this calculator applies. Variable definitions follow when symbols are used.
Equation
SIP FV uses compound growth on monthly deposits
Additional rules
- FD/PPF use their respective compounding rules side by side
Worked Example: $10,000/month SIP vs $120,000/year PPF/FD
Sample inputs and the results this calculator produces for the scenario below.
Inputs
- Monthly SIP
- $10,000
- Equity Return Assumption
- 12% p.a.
- FD/PPF Rate
- 7% p.a.
Results
- SIP Corpus (15 yr)
- Higher (market-linked)
- PPF/FD Corpus
- Lower but guaranteed
Equity SIPs can outperform fixed deposits over long horizons but carry market risk. PPF offers tax-free EEE status in India.
How SIP vs FD vs PPF Calculator Works
Enter monthly investment amount, expected SIP return, FD rate, PPF yearly deposit and rate. We project maturity values and highlight the best option.
What to enter
Use the calculator above to set your amounts, rates, and tenure. Results update as you move sliders or type values — switch currency if you are planning in USD, INR, or another supported unit.
Step-by-step
- Open the SIP vs FD vs PPF Calculator and enter your amounts, rates, and time period in the input fields.
- Review the results panel — totals update instantly when you change any value.
- Compare the worked example and formula below to verify the math matches your scenario.
- Read the FAQs for common edge cases, tax notes, and planning tips specific to this calculator.
SIP vs FD vs PPF — Frequently Asked Questions
Each question is answered directly below. Expand any item for the full response.
What is the main difference between SIP, FD, and PPF?
A SIP is market-linked and suited to long-term wealth creation, an FD offers fixed-return stability for shorter or safer needs, and PPF is a long-lock-in government-backed product with tax efficiency. They solve different problems, so the best choice depends on goal, time horizon, and risk tolerance.
When is PPF stronger than an FD?
PPF is usually stronger for long-term conservative wealth building when you value tax efficiency and can accept the lock-in. An FD is usually stronger when you need clearer liquidity and a shorter commitment.
Can SIP outperform FD and PPF over long periods?
It can, especially in equity-oriented funds over long horizons, but the returns are not assured and can be volatile. The reward potential comes with market risk and behavioral discipline requirements.
What is a practical allocation approach?
Use SIP for long-dated growth goals, FD for near-term capital stability, and PPF for long-term debt allocation and tax planning if the lock-in suits you. Comparing them as substitutes only by return often misses their purpose.
Disclaimer
- This calculator gives you an estimate only. It is not a promise of exact results.
- This is general information, not personal financial, tax, or legal advice.
- You are responsible for your own decisions. Talk to a qualified professional when it matters.
- Investment returns are not guaranteed. Markets can rise or fall.
- Indian tax and government scheme rules can change each financial year. Please confirm with official sources or a chartered accountant (CA).
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