SIP vs FD Returns Calculator (Inflation-Adjusted, Post-Tax)

Instantly compare SIP and FD returns in real terms — after inflation and taxes. See the true purchasing power of your investment, side-by-side, so you can choose smarter and invest with confidence.

Calculate My Returns

Calculator Inputs – Compare SIP & FD Returns

Choose monthly SIP or one-time lump sum.

₹

Example: 5000, 10000, 25000

yrs

1–50 years

%

Annualized return assumption for equity/MF SIP.

%

Bank/NBFC FD annual rate.

%

Used to compute inflation‑adjusted (real) returns.

%

Applies to FD interest (and capital gains if you choose to include later).

Results – SIP vs FD Comparison

Awaiting input Run the calculator to see who wins in real terms.

SIP Results

Assumes monthly contributions
Nominal Future Value
—
Post‑Tax Value
—
Inflation‑Adjusted Value Real Today
—

FD Results

Assumes annual interest
Nominal Future Value
—
Post‑Tax Value
—
Inflation‑Adjusted Value Real Today
—

Growth Over Time (Inflation‑Adjusted)

Tracks SIP vs FD real value by year

Why Inflation and Tax Matter in Return Calculations

Inflation-adjusted returns show the real growth of your investment by removing the loss of purchasing power over time. For example, if your SIP earns 12% annually but inflation is 6%, your real return is closer to 6%.

Tax impact further reduces your take-home returns. Fixed Deposit interest is fully taxable, while SIP (mutual fund) gains may be taxed differently depending on the holding period.

📘 Read our detailed guide on how inflation and taxes affect investment returns for smarter financial planning.

Compare SIP and FD Returns in Real Terms

Most calculators only show nominal returns — the total money you’ll have in the future without considering how inflation or taxes reduce your actual buying power. Our SIP vs FD Returns Calculator (Inflation-Adjusted, Post-Tax) gives you the true picture by showing how much your investments will be worth in today’s terms.

  • Compare SIP and FD returns side-by-side
  • Adjust results for both inflation and taxes
  • See purchasing power, not just numbers
Try the SIP vs FD Calculator

FAQ – SIP vs FD Returns (Inflation‑Adjusted, Post‑Tax)

How does this calculator compare SIP vs FD returns?
We project SIP and FD growth separately, then show three values for each: Nominal Future Value, Post‑Tax Value, and Inflation‑Adjusted (Real) Value. The difference banner highlights which option delivers higher real purchasing power for your inputs.
What is an inflation‑adjusted (real) return?
Real return removes the effect of inflation. Roughly, Real ≈ Nominal − Inflation. We discount future values back to “today’s rupees” using your inflation rate so you can judge true buying power.
How is tax handled for SIP and FD?
FD interest is typically taxed at your slab rate; we reduce FD maturity accordingly. SIP (mutual funds) can have different tax rules (equity vs debt, LTCG/STCG). This tool applies the entered Tax Rate (%) as a simplified, comparable post‑tax view. You can set it to 0% if you want a pre‑tax comparison.
Is SIP always better than FD?
Not always. SIPs can target higher long‑term returns but carry market risk. FDs are lower‑risk with stable rates. The better option depends on your time horizon, expected returns, tax slab, and inflation.
Which inflation rate should I use?
Use a realistic long‑term expectation (e.g., 4–6% for general CPI). For specific goals (education/healthcare), you might assume a higher rate. The tool lets you test scenarios quickly.
Does this support step‑up SIPs or partial withdrawals?
The first release compares standard monthly SIP vs lump sum FD. Step‑up SIPs and withdrawals can be added later. For now, approximate a step‑up by raising the expected return conservatively or increasing the monthly amount.
Do you store my numbers?
No personal data is stored by the calculator form fields on this page. Values are calculated in your browser for a fast, private experience.

Plan Smarter, Invest Better

Use our SIP vs FD Returns Calculator (Inflation-Adjusted, Post-Tax) to see the real value of your investments and make informed decisions that protect your purchasing power.

Start Comparing Now
Disclaimer: This calculator is for informational purposes only and does not constitute financial advice. Returns are based on the inputs you provide and assumed rates of return, inflation, and tax. Actual performance may vary depending on market conditions and personal circumstances. Please consult a qualified financial advisor before making investment decisions.

Make smarter money decisions with our other free tools designed to help you compare, save, and plan better.

About This Calculator & Important Disclosures

About the Author

Prashant SN

Education: MCom (Master of Commerce)

What I enjoy: Finance calculations and building easy tools for everyday decisions

Hi, I am Prashant SN. I studied MCom and I am interested in finance calculation. I started Seva Funds to share clean, fast calculators and no-nonsense explanations for India.

Disclaimer

This calculator is provided for informational and educational purposes only. The results are based on user inputs and standard formulas and should not be considered as financial, legal, or professional advice. The accuracy of the results is not guaranteed. We strongly recommend consulting with a qualified financial professional for personalized advice before making any financial decisions.

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