SIP vs FD Calculator

💡 Understanding SIP vs FD

SIP (Systematic Investment Plan): You invest a fixed amount every month in mutual funds. Your money grows through the power of compounding. Returns vary based on market performance but historically average 12-15% annually for equity funds.

FD (Fixed Deposit): You deposit a lump sum amount in a bank for a fixed period. Returns are guaranteed and typically range from 6-8% annually. FDs are safer but offer lower returns.

Key Difference: SIP requires smaller monthly investments and can potentially give higher returns, while FD requires a lump sum upfront but offers guaranteed, risk-free returns.