SIP vs PPF calculator
Enter a yearly amount and the years. See PPF's tax-free maturity next to a SIP's value after tax.
- PPF tax-free
- After-tax SIP
- 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.
PPF and a SIP, side by side
Same yearly money.
- PPF: deposited by 5 April, compounding yearly, tax-free.
- SIP: monthly, at your expected return, taxed on redemption.
- Compare what you keep.
Last reviewed 9 October 2026. The rules in this calculator come from these official sources.
- Small savings schemes India Post
- Investor education Securities and Exchange Board of India
Common questions
Is PPF better than a SIP?
PPF is guaranteed and tax-free; a SIP has usually grown more over 15 years, with risk. Many people use both.
How is PPF taxed?
It isn't: deposits count for 80C (old regime), and interest and maturity are tax-free.
How much can I put in PPF?
₹500 to ₹1.5 lakh a year.
What about ELSS?
ELSS is an equity fund that also counts for 80C in the old regime, with a 3-year lock-in.
What return should I assume for the SIP?
Your choice. Try a cautious rate to see how much risk you're taking for the extra.
