CompareSip Vs Fd

SIP vs Fixed Deposit

Compare the wealth creation potential of an Equity SIP against a traditional Recurring Fixed Deposit.

Equity SIPWinner
$
%
Yr

Scenario Results

Net Maturity Value$2,198,592
Total Invested$1,200,000
Estimated Taxes$124,799
Fixed Deposit (RD)
$
%
%

Scenario Results

Net Maturity Value$1,550,850
Total Invested$1,200,000
Tax Rate Applied30.00%

Verdict: Equity SIP Wins!

Equity SIP creates significantly more wealth over 10 years, generating ₹6,47,742 more than a traditional FD after accounting for taxes.

SIP vs Fixed Deposit: The Complete Comparison

A fixed deposit gives you a guaranteed rate and zero volatility. An equity SIP gives you no guarantee and significant year-to-year swings, but a far higher expected return over long periods. This calculator shows you exactly what that trade-off is worth in your own numbers, including the tax treatment that most comparisons quietly ignore.