SIP vs Gold Calculator
Estimate wealth creation by comparing SIP equity returns against gold CAGR.
SIP vs Gold Decision Engine
Compare long-term wealth creation between Equity Mutual Fund SIP and Gold / SGB investments.
âī¸ Investment Parameters
Over 10 years horizon.
What is the SIP vs Gold Calculator?
The SIP vs Gold Decision Engine compares monthly equity mutual fund SIPs against physical gold or Sovereign Gold Bonds (SGB).
Gold is a classic inflation hedge and safe-haven asset with historical 8%â10% CAGR. Equity SIPs generally yield 12%â15% CAGR over long periods but experience higher short-term swings.
How Does the SIP vs Gold Calculator Work?
1. Enter Investment Amount â Monthly SIP or Lump Sum.
2. Set Return Expectations â Equity SIP rate (e.g. 13%) vs Gold expected CAGR (e.g. 9%).
3. Compare Horizons â View 5, 10, 15, and 20-year wealth projections.
Formula & Calculation Method
$$\text{Wealth Ratio} = \frac{\text{SIP Final Value}}{\text{Gold Final Value}}$$
Example Calculation
Example: âš5,000/mo over 10 Years (13% SIP vs 9% Gold)
- Total Invested: âš6,00,000
- Gold Maturity (9% CAGR): âš9,67,000
- SIP Maturity (13% CAGR): âš12,30,000
- SIP Advantage: +âš2,63,000 higher wealth!
Frequently Asked Questions
$$\text{Wealth Ratio} = \frac{\text{SIP Final Value}}{\text{Gold Final Value}}$$
Disclaimer: This financial calculator is provided for educational and estimation purposes only. ProCalc is not a registered financial advisor or SEBI entity. Rates and tax rules may vary.