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Investing · Reviewed 7 October 2026

SIP vs FD / RD Calculator

Compare the same monthly budget in market and bank-deposit scenarios.

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Your inputs
Your result

Estimate based on your inputs and stated assumptions. It is not a guarantee of returns, rates, eligibility or tax outcome.

Methodology by Finpockett · See how calculators are built and checked

Worked example

A starting scenario, with the assumptions shown

These are the calculator’s starting inputs, used to illustrate the method. They are not a recommended plan. Changing the inputs above updates the interactive result; this example remains a fixed reference.

View the example inputs
Monthly contribution₹5,000
Assumed annual return12%
Bank deposit rate6.50%
Planning horizon15 years
Tax slab on bank interest30%
Assumed SIP exit-tax rate before cess12.50%
Remaining exit-gain exemption₹1,25,000
ResultIllustrative value
SIP value after assumed exit tax₹23,28,156
Same total deposits₹9,00,000
Monthly bank-deposit balance after annual tax₹12,83,878
Assumed SIP exit tax₹1,94,724
Difference after assumed taxes₹10,44,277

Equal monthly beginning-of-month cash flows. Bank interest is modelled with annual tax drag; exact RD/FD tax payment and quarterly conventions vary. SIP exit tax applies one entered rate/exemption to aggregate growth; lots can have different holding periods.

Understand the calculation

What is a SIP vs FD / RD Calculator?

Compare the same monthly budget in market and bank-deposit scenarios. Monthly deposit comparison. SIP tax is an aggregate scenario; individual lots may have different tax treatment.

Use the inputs that describe your actual situation. Change one assumption at a time, compare the results, and read the scope note alongside the number. The tool calculates a stated scenario; it does not decide whether an investment, policy or tax treatment is suitable for you.

Method and assumptions

Same deposits; bank tax annually; SIP tax at exit

Monthly deposit comparison. SIP tax is an aggregate scenario; individual lots may have different tax treatment.

Read the result with these boundaries

Monthly deposit comparison. SIP tax is an aggregate scenario; individual lots may have different tax treatment.

Check the inputs before acting

Confirm actual costs, dates, eligible amounts and product terms from your records. Compare a conservative case and an adverse case rather than relying on the default inputs. A result can change substantially when return, tax, contribution or cost assumptions change.

Frequently asked questions

What does this tool calculate?

Compare the same monthly budget in market and bank-deposit scenarios. Same deposits; bank tax annually; SIP tax at exit

What is outside its scope?

Monthly deposit comparison. SIP tax is an aggregate scenario; individual lots may have different tax treatment.

Are the default inputs a recommendation?

No. Defaults are worked scenarios. Use your own verified amounts and test more than one assumption.

Related calculators

SIP SIP Calculator Project the maturity value of a monthly mutual fund SIP. FD FD Calculator Maturity value of a bank fixed deposit at any compounding frequency. RD RD Calculator Maturity value of a monthly recurring deposit.

Guides that use this calculator

Investing SIP vs FD or RD: Match Cash Flows Before Comparing Returns

For educational and illustrative use only. Verify current rates, rules and eligibility with the relevant official source before making a financial decision.