SIP vs FD calculator
Enter a monthly amount, the years and your tax slab. See which ends up higher after tax.
- After tax
- Your slab
- Free, no sign-up
Tax changes the answer
Your slab, the holding period and the regime all change which option wins. Our experts plan it for your salary.
Questions people often ask
How are equity fund gains taxed?
Over a year: 12.5% above ₹1.25 lakh a year. Under a year: 20%.
How is FD interest taxed?
At your slab rate, every year, even on a cumulative FD.
A fair comparison
Same money, same years.
- SIP: grows at your expected return, taxed when redeemed.
- FD: grows at the FD rate, taxed every year.
- Compare what's left after tax.
Last reviewed 9 October 2026. The rules in this calculator come from these official sources.
- Investor education Securities and Exchange Board of India
- Reserve Bank of India: deposits Reserve Bank of India
Common questions
Is a SIP better than an FD?
Over longer periods, equity has usually beaten FDs, but with ups and downs and no guarantee. FDs are safe and fixed.
How is each taxed?
FD interest at your slab, every year. Equity fund gains when you redeem: 12.5% above ₹1.25 lakh if held over a year, 20% if not.
Why does my slab matter?
At 30%, FD interest loses almost a third to tax each year; equity gains are taxed lightly and later.
What about safety?
FDs up to ₹5 lakh per bank are insured by DICGC. Equity can fall, sometimes a lot.
What period suits a SIP?
Five years or more is the usual guidance for equity.
