SIP vs PPF Calculator
Compare equity SIP wealth against Public Provident Fund (PPF) tax-free 7.1% compounding.
SIP vs PPF Decision Engine (15-Year Horizon)
Compare 15-year Equity SIP corpus against Public Provident Fund (PPF) tax-free 7.1% returns.
âī¸Monthly Investment & Expected CAGR
SIP provides superior corpus growth over 15-year maturity.
What is the SIP vs PPF Calculator?
The SIP vs PPF Decision Engine compares monthly equity SIP investing against India's Public Provident Fund (PPF).
PPF offers government-backed EEE (Exempt-Exempt-Exempt) tax status at 7.1% per annum with a strict 15-year lock-in. Equity SIPs carry market risk but offer higher compounding potential and complete liquidity after 1 year.
How Does the SIP vs PPF Calculator Work?
1. Set Monthly Investment â Annual limit up to âš1.5 Lakhs (âš12,500/mo).
2. Set Return Rates â PPF rate (7.1% fixed) vs SIP expected CAGR (e.g. 12%â14%).
3. Compare 15-Year Lock-in Maturity â View net corpus, tax savings under Section 80C, and liquidity comparison.
Formula & Calculation Method
$$\text{PPF Future Value} = F = P \cdot \frac{(1+i)^n - 1}{i} \cdot (1+i)$$
Example Calculation
Example: âš12,500/mo (âš1.5L/yr) for 15 Years
- Total Invested: âš22,50,000
- PPF Maturity (7.1% EEE Tax-Free): âš40,68,000
- SIP Maturity (12% CAGR): âš63,07,000
- SIP Gain: +âš22.39 Lakhs extra corpus!
Frequently Asked Questions
$$\text{PPF Future Value} = F = P \cdot \frac{(1+i)^n - 1}{i} \cdot (1+i)$$
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.