SIP return calculator
Estimate monthly SIP returns with beginning- or end-of-month contributions, annual step-up, an initial lump sum and two annual-rate conversion methods.
SIP Calculator & FD Calculator for Returns and Maturity
Estimate systematic-investment growth, goal SIP amount, fixed-deposit maturity, compound interest, periodic payouts and a transparent SIP-versus-FD comparison in Indian rupees.
Planning estimates, not investment advice. SIP returns are assumed and market-linked. FD rates, compounding, tax, premature-withdrawal terms and eligibility vary by institution and product.
India investment and deposit calculation workspace
Local browser processing · ₹ Indian formatting · Yearly schedule · Downloadable report
What this SIP and FD calculator does
This combined Indian finance calculator keeps recurring investment and fixed-deposit calculations in one workspace. It shows the input assumptions, contribution or principal, estimated growth, maturity, yearly schedule and limitations instead of presenting one unexplained number.
Goal SIP calculator
Work backward from a target amount to the required starting monthly SIP, including step-up and an optional initial investment.
FD maturity calculator
Estimate cumulative compound interest, simple interest or periodic payouts with a base rate, optional additional rate and tax assumption.
How to use the SIP and FD calculator
Follow the same five steps shown by the calculator interface.
Choose SIP or FD
Open the SIP calculator for recurring investments and goals, or the FD calculator for a one-time bank deposit.
Enter the investment details
Add the contribution or principal, expected annual rate and complete investment duration.
Set calculation options
Choose SIP timing, annual step-up and inflation, or choose cumulative compounding, payout frequency and an optional tax assumption for FD.
Calculate the estimate
Run the calculator to see invested amount, estimated return, maturity value, yearly schedule and the exact formula assumptions.
Compare and export
Calculate both plans to compare their latest results, then copy, print or download the calculation report.
How SIP returns and FD interest are estimated
The calculations use the exact assumptions entered by the user. They do not retrieve current products or predict future market performance.
Monthly SIP cash flows
Every monthly contribution is added before or after the month’s assumed growth. Annual step-up changes later contributions, so the calculator processes the timeline month by month.
Compound FD maturity
Cumulative value follows principal × (1 + annual rate ÷ periods) raised to the estimated number of periods. Simple-interest and payout modes do not reinvest interest.
Rounding and partial tenure
Displayed rupees are rounded for readability, while the internal calculation retains decimal precision. FD months and days are converted to approximate year fractions.
SIP vs FD: understand the comparison
A larger calculated maturity does not by itself identify the better product. SIP assumptions usually represent market-linked mutual-fund returns that can fluctuate, while an FD estimate uses a stated deposit rate but remains subject to issuer terms, liquidity, tax and deposit-safety considerations.
Return certainty
The SIP rate is an expectation, not a promise. An eligible FD normally applies a contracted rate when held according to its terms, but premature withdrawal can change the result.
Cash-flow pattern
A SIP invests gradually, so later contributions have less time to grow. An FD generally places the complete principal at the beginning.
Risk and liquidity
Compare underlying investment risk, lock-in or exit conditions, emergency access, tax treatment and the suitability of the product for the goal.
India-specific fixed-deposit and SIP notes
SEBI’s investor resources describe SIP as regular investing and provide separate SIP and goal-SIP calculators. RBI guidance allows banks to set premature-withdrawal penalties under their disclosed terms. DICGC currently states that eligible principal and interest are insured up to a combined maximum of ₹5 lakh per depositor per bank in the same right and capacity. Always verify the latest official rules and product documents.
Accuracy, tax and practical limitations
The calculator does not fetch live rates, NAVs, fees, expense ratios, exit loads, taxes, TDS thresholds, bank rounding methods, exact day-count conventions, premature-withdrawal penalties or reinvestment terms. The optional tax field is only a simple planning reduction applied to estimated FD interest.
Privacy and browser processing
The calculation runs in the browser. This page does not include a tool-specific server endpoint, financial-input database, account requirement or external calculation service. Reports are created temporarily in the browser and can be cleared with Reset or by leaving the page. Shared website analytics must never be sent the entered financial values by this tool.
Frequently asked questions
Review common questions about SIP returns, FD maturity, compound interest, payout deposits, comparison and calculation limitations.
What does this SIP and FD calculator calculate?
It estimates SIP maturity, invested amount, wealth gain, required SIP for a target, FD maturity, compound interest, periodic interest payouts and an optional post-tax planning value.
What is a SIP?
A systematic investment plan is a method of investing a fixed or increasing amount at regular intervals, commonly into a mutual fund. The investment value remains market-linked and is not guaranteed.
What is an FD?
A fixed deposit is a term deposit placed with a bank or other eligible deposit-taking institution for a stated period and interest rate, subject to the provider’s terms.
How does the SIP calculator work?
It applies the selected monthly return conversion, contribution timing, duration, annual step-up and optional initial investment month by month.
What is the difference between beginning-of-month and end-of-month SIP?
A beginning-of-month contribution receives one additional month of assumed growth compared with an end-of-month contribution.
What is a step-up SIP?
A step-up SIP increases the monthly contribution by the selected percentage after each completed investment year.
Can the calculator find the monthly SIP needed for a goal?
Yes. Select Goal SIP, enter the target amount and assumptions, and the tool calculates the required starting monthly contribution.
Does the SIP result guarantee mutual fund returns?
No. The expected rate is only a mathematical assumption. Actual returns can be higher, lower or negative and may vary throughout the investment period.
What annual return conversion methods are available?
You can divide the annual rate by 12 for a nominal monthly rate or convert an effective annual rate into its equivalent monthly rate.
Why does this result differ from another SIP calculator?
Differences can come from contribution timing, monthly rate conversion, rounding, annual step-up timing, initial investment treatment and whether the final contribution earns growth.
What does inflation-adjusted value mean?
It discounts the future amount by the entered inflation assumption to express an approximate value in today’s purchasing-power terms.
How is cumulative FD maturity calculated?
For compound interest, maturity is principal multiplied by one plus the periodic rate, raised to the number of compounding periods. Simple-interest mode does not compound accrued interest.
Which FD compounding frequencies are supported?
The calculator supports annual, half-yearly, quarterly, monthly and daily compounding, plus a separate simple-interest option.
What is a non-cumulative FD?
In this calculator, a non-cumulative FD pays estimated simple interest periodically while the original principal is returned at maturity. Actual bank payout conventions can differ.
Can I add a senior-citizen or promotional rate?
Yes. Enter the additional annual rate separately. The calculator adds it to the base rate without claiming that any particular institution offers it.
Does the calculator show current bank FD rates?
No. Interest rates change by institution, tenure, deposit amount and customer category. Enter the exact rate from the current official deposit terms.
Does the FD estimate include premature-withdrawal penalties?
No. Banks can apply their own premature-withdrawal terms and penalties. The result assumes the deposit remains for the entered tenure.
Does the calculator calculate TDS or income tax?
No. The optional tax-rate field only reduces estimated interest for personal planning. It is not a TDS, tax-liability or return-filing calculation.
What does post-tax maturity mean here?
It is the principal plus estimated interest after applying the optional user-entered tax percentage to that interest.
Are fixed deposits risk-free?
No financial product is completely risk-free. Deposit safety, insurance eligibility, issuer type, liquidity and terms should be checked before investing.
How much bank deposit insurance is available in India?
Current DICGC guidance states that eligible principal and interest are insured up to a combined maximum of five lakh rupees per depositor per bank in the same right and capacity. Verify current official coverage before relying on it.
Can I directly compare SIP and FD results?
The page can compare the latest mathematical outputs, but the products are not risk-equivalent. SIP returns are assumed and market-linked, while an FD uses a stated deposit rate and provider terms.
Why can the SIP value exceed the FD value?
The entered SIP return may be higher, contributions occur over time and the products use different cash-flow patterns. A higher estimate does not imply a guaranteed or superior investment.
Can I use years, months and days for FD tenure?
Yes. The tool combines entered years, months and days into an approximate year fraction for the selected interest formula.
Can I use partial years for SIP?
Yes. Enter full years and additional months. SIP calculations require at least one total month.
Can I download the results?
Yes. You can copy, print or download a TXT report. Downloaded filenames begin with correctioncopy.com_.
Does the tool save my financial inputs?
No. This page has no tool-specific account, database or persistent input storage. Values remain in the current page session unless the browser itself restores the form.
Are my investment values uploaded?
No page-specific calculation request uploads the values. The arithmetic runs in the browser and report files are created locally.
Can I use this calculator on a mobile phone?
Yes. The controls, result cards, chart, tables and export actions are designed for current touch-enabled mobile browsers.
Which browsers are supported?
The calculator is designed for current stable Chrome, Edge, Firefox and Safari with JavaScript enabled.
Should I make an investment decision from this result alone?
No. Confirm product documents, fees, taxes, liquidity, risk, institution terms and personal suitability. Consider regulated professional advice when appropriate.
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