SIP vs FD Calculator

Compare SIP and Fixed Deposit returns, view historical NIFTY CAGR data, check market fear/greed sentiment, and make informed investment decisions.

Market Mood Simulator

Educational Tool

Drag the slider to simulate different market conditions and understand how sentiment affects investment strategy.

50Neutral
Extreme FearNeutralExtreme Greed

Check Live Data: Tickertape Market Mood Index →

Fear
Greed

Investment Guidance

At this sentiment level: Markets are neutral. Stick to your regular investment plan.
General principle: SIPs help average out market volatility across all sentiment phases.

NIFTY 50 Historical CAGR (Reference)

SIP Investment

Future Value

₹23.23 L

Invested

₹12.00 L

Returns

₹11.23 L

Return on Investment

93.6%

Fixed Deposit

Maturity Value

₹23.09 L

Principal

₹12.00 L

Interest

₹11.09 L

Interest Rate (SBI)

6.6% p.a.

Verdict: SIP Wins!

Difference

+₹14,110.919

Percentage More

+0.6%

Risk Level

SIP: Medium | FD: Low

Visual Comparison

SIP Returns₹23.23 L
FD Returns₹23.09 L
Total Invested₹12.00 L

Important Disclaimer

  • For educational purposes only - This calculator is not financial advice
  • SIP/Mutual fund investments are subject to market risks. Past performance does not guarantee future returns
  • Historical CAGR data is approximate and sourced from publicly available information
  • FD rates shown are indicative and may not reflect current rates. Always verify with respective banks
  • The Market Mood Simulator is an educational tool. For live data, visit Tickertape
  • Consult a SEBI-registered financial advisor before making investment decisions

Disclaimer: This tool is for educational and informational purposes only. It does not constitute financial advice, investment advice, or any other type of advice. The calculations, data, and information provided are approximate and may not reflect current market conditions or actual returns. Mutual fund investments are subject to market risks. Please read all scheme-related documents carefully before investing. Always consult a SEBI-registered financial advisor before making investment decisions. The creator of this tool assumes no liability for any financial decisions made based on the information provided here.