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.
⚙️Monthly Investment & Expected CAGR
SIP provides superior corpus growth over 15-year maturity.
Educational Purpose Disclaimer
This calculator is provided for informational and educational estimation purposes only. All calculations and projections are based on standard mathematical formulas and assumed inputs. The output values should not be considered professional financial, legal, tax, or medical advice. ProCalc is not a registered financial advisor or licensed practitioner. Always consult a qualified professional (such as a Chartered Accountant, certified planner, or physician) before making major decisions.
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 — Annual limit up to ₹1.5 Lakhs (₹12,500/mo).
2. Set Return Rates — PPF rate (7.1% fixed) vs SIP expected CAGR (e.g. 12%–14%).
3. Compare 15-Year Lock-in Maturity — 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: ₹12,500/mo (₹1.5L/yr) for 15 Years
- Total Invested: ₹22,50,000
- PPF Maturity (7.1% EEE Tax-Free): ₹40,68,000
- SIP Maturity (12% CAGR): ₹63,07,000
- SIP Gain: +₹22.39 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.