Investment APIWeb Calculator UI

Free SIP vs FD Calculator API (2026)

API comparing an equity SIP taxed once at exit (12.5% LTCG above ₹1.25 lakh) with a deposit compounding quarterly whose interest is taxed at slab every year.

Interactive API Playground & Live Test

GET/api/v1/sip-vs-fd

Zero Auth • Open CORS

Query Parameters

monthlyInvestmentnumber • optional

Monthly amount in ₹, 100 to 1,00,00,000 (default: 10,000)

yearsnumber • optional

Years, 1 to 50 (default: 10)

sipReturnRatenumber • optional

Expected SIP return % a year (default: 12)

fdInterestRatenumber • optional

Deposit interest rate % a year (default: 7)

otherIncomenumber • optional

Taxable income besides this investment, in ₹. Gains and interest are taxed on top of it with 87A and surcharge. Default ₹15 lakh, as on the page

regimestring • optional

'new' or 'old' (default: new)

taxBracketPctnumber • optional

Legacy: a flat marginal rate %, used only when otherIncome is not sent

curl -X GET "https://fincalculator.in/api/v1/sip-vs-fd?monthlyInvestment=10000&years=10&sipReturnRate=12&fdInterestRate=7&otherIncome=1500000&regime=new" \
  -H "Accept: application/json"

Live JSON Response (HTTP 200 OK)

Click "Execute Live API Request" below...

Request Parameters Schema

Parameter	Type	Required	Description / Notes
monthlyInvestment	number	Optional	Monthly amount in ₹, 100 to 1,00,00,000 (default: 10,000)
years	number	Optional	Years, 1 to 50 (default: 10)
sipReturnRate	number	Optional	Expected SIP return % a year (default: 12)
fdInterestRate	number	Optional	Deposit interest rate % a year (default: 7)
otherIncome	number	Optional	Taxable income besides this investment, in ₹. Gains and interest are taxed on top of it with 87A and surcharge. Default ₹15 lakh, as on the page
regime	string	Optional	'new' or 'old' (default: new)
taxBracketPct	number	Optional	Legacy: a flat marginal rate %, used only when otherIncome is not sent

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Frequently Asked Questions (FAQs)

Is the Free SIP vs FD Calculator API free to use in production apps?

Yes! All FinCalculator REST APIs are completely free, zero-auth, open-CORS, and edge-cached for high performance across global web and mobile applications.

What is the rate limit for /api/v1/sip-vs-fd?

Endpoints are cached at the edge for 24 hours. There are no restrictive rate limits for standard web traffic and mobile applications.