SIP vs FD vs PPF Calculator 2026
Compare Mutual Fund SIP, Fixed Deposit, and PPF returns side-by-side. See which investment gives the best post-tax returns for your money.
Investment Details
10 Thousand
Expected Returns
Your Tax Slab
FD interest is taxed at your slab rate. SIP LTCG is 12.5% above ₹1.25L. PPF is tax-free.
SIP
Pre-Tax Value
₹50.5L
Post-Tax Value
₹46.6L
Total Returns
+₹28.6L
FD
Pre-Tax Value
₹31.9L
Post-Tax Value
₹27.7L
Total Returns
+₹9.72L
PPF
Pre-Tax Value
₹32.5L
Post-Tax Value
₹32.5L
Total Returns
+₹14.5L
Total Investment
₹18.0L
Period
15 years
Monthly
₹10.0K
Best Option
SIP
Wealth Growth Comparison
Post-Tax Returns Comparison
SIP vs FD vs PPF - Complete Comparison
| Feature | SIP (Equity MF) | Fixed Deposit | PPF |
|---|---|---|---|
| Expected Returns | 10-15% (Historical) | 6.5-7.5% | 7.1% (Current) |
| Risk Level | High | Very Low | Zero (Govt) |
| Tax on Returns | 12.5% LTCG above ₹1.25L | As per income slab | Tax-Free (EEE) |
| Section 80C Benefit | ELSS only (3yr lock-in) | 5-year Tax Saver FD | Yes (up to ₹1.5L) |
| Lock-in Period | None (ELSS: 3 years) | Tenure-based | 15 years |
| Liquidity | High | Medium | Low |
| Minimum Investment | ₹500/month | ₹1,000+ | ₹500/year |
| Maximum Investment | No limit | No limit | ₹1.5 lakh/year |
| Best For | Long-term wealth creation, inflation beating | Short-term goals, emergency fund | Retirement, tax-free guaranteed returns |
📈 Choose SIP When
- Investment horizon is 7+ years
- You can tolerate short-term volatility
- Goal: Wealth creation, retirement
- You want to beat inflation
🏦 Choose FD When
- Investment horizon is 1-3 years
- You need guaranteed returns
- Goal: Emergency fund, short-term
- You're in low tax bracket
🏛️ Choose PPF When
- You want zero-risk investment
- You're in 20-30% tax bracket
- Goal: Retirement, child education
- You need Section 80C benefit
The Best Strategy: Combine All Three
Smart investors don't choose just one - they allocate across all three based on goals and risk tolerance. Here's a suggested allocation:
SIP: 50-60%
Wealth creation
Long-term growth engine. Equity exposure for inflation-beating returns over 10-20 years.
PPF: 20-30%
Tax-free stability
Guaranteed returns with 80C benefit. Max out ₹1.5L/year if in higher tax bracket.
FD: 10-20%
Emergency buffer
6 months expenses as emergency fund. Ladder FDs for liquidity and better rates.
Frequently Asked Questions
Which gives better returns - SIP or FD or PPF?
Is PPF better than SIP for tax saving?
Can I invest in all three - SIP, FD, and PPF?
Which is safer - FD or PPF?
Should I break my FD and invest in SIP?
What is the minimum amount for SIP, FD, and PPF?
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