FD vs SIP Calculator
A deposit's certainty against a SIP's market returns, after tax
हिन्दी में पढ़ेंAn estimate only — starting values are filled in, change them to yours. Nothing you type leaves this page.
What it is
The same monthly amount, put into a deposit with a fixed rate or into an equity SIP. This shows what each leaves you with after tax.
How it's worked out
Both grow monthly: the deposit at its interest rate, the SIP at the expected return. Deposit interest is taxed at your slab plus 4% cess. SIP gains are taxed as equity long-term gains: 12.5% plus cess on gains above ₹1.25 lakh.
What each input means
- Monthly Investment: How much you put in every month.
- Time Period: For how many years.
- FD Interest Rate: The yearly interest % the deposit pays.
- Expected SIP Return: The yearly growth % you expect. Markets go up and down, so this is a guess.
- Your Tax Slab: The income-tax rate on your top income (0, 5, 10, 15, 20 or 30%).
Good to know
The deposit's value is certain; the SIP's is an estimate that can be lower in a bad stretch. In reality deposit interest is taxed every year, which lowers it a little more than shown.
A quick example
₹10,000 a month for 10 years, 7% deposit against a 12% SIP, 20% slab: the SIP leaves roughly ₹5–6 lakh more after tax.
This calculator is in the Lekhya app too — offline, no account, and pre-filled from what you track, like your PPF, EPF and NPS. Nothing leaves your phone.
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