FD vs SIP Comparison
Enter the same investment amount for both FD and SIP, set your expected rates and tenure, and get a clear rupee-by-rupee comparison of which gives you more wealth at the end. Includes a visual comparison chart.
Investment amount (₹)
Used as monthly SIP; FD side assumes the same total principal is placed upfront (₹ × 12 × years).
FD interest rate (%)
7.0%SIP expected return (%)
12.0%Duration (years)
10 yrFD gives you ₹78,526 more
With these inputs, fixed deposit (quarterly compounding) matures higher than the assumed market return path.
Fixed deposit
Maturity amount
Total interest earned
Effective annual yield (approx.)
SIP / market path
Maturity amount
Wealth gained
XIRR equivalent (CAGR on principal, approx.)
Year-by-year comparison (₹ Lakhs)
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