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 (โน)
Used as monthly SIP; FD side assumes the same total principal is placed upfront (โน ร 12 ร years).
FD interest rate (%)
7.0%SIP expected return (%)
12.0%Duration (years)
10 yrFD gives you โน78,526 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 (โน Lakhs)
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