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Free SIP vs PPF Calculator API (2026)

API comparing PPF (exempt interest and maturity) with an equity SIP taxed at 12.5% LTCG above ₹1.25 lakh at exit, worked out on top of your other income. The yearly amount is capped at the PPF limit of ₹1.5 lakh.

Interactive API Playground & Live Test

GET/api/v1/sip-vs-ppf

Query Parameters

Yearly amount in ₹, 500 to 1,00,00,000; capped at ₹1,50,000 for both sides (default: 1,50,000)

Years, 1 to 50 (default: 15)

Expected SIP return % a year (default: 12)

PPF rate % a year (default: 7.1, the currently notified rate)

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

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

curl -X GET "https://fincalculator.in/api/v1/sip-vs-ppf?yearlyInvestment=150000&years=15&sipReturnRate=12&ppfInterestRate=7.1&otherIncome=1500000&regime=new" \
  -H "Accept: application/json"
Live JSON Response (HTTP 200 OK)
Click "Execute Live API Request" below...

Request Parameters Schema

ParameterTypeRequiredDescription / Notes
yearlyInvestmentnumberOptionalYearly amount in ₹, 500 to 1,00,00,000; capped at ₹1,50,000 for both sides (default: 1,50,000)
yearsnumberOptionalYears, 1 to 50 (default: 15)
sipReturnRatenumberOptionalExpected SIP return % a year (default: 12)
ppfInterestRatenumberOptionalPPF rate % a year (default: 7.1, the currently notified rate)
otherIncomenumberOptionalTaxable 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
regimestringOptional'new' or 'old' (default: new)

Related Investment APIs

GET /api/v1/sipFree Mutual Fund SIP Calculator APIGET /api/v1/goal-sipFree Goal-Based Reverse SIP Calculator APIGET /api/v1/step-up-sipFree Step-Up SIP Calculator APIGET /api/v1/swpFree Systematic Withdrawal Plan (SWP) Calculator API

Frequently Asked Questions (FAQs)

Is the Free SIP vs PPF 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-ppf?
Endpoints are cached at the edge for 24 hours. There are no restrictive rate limits for standard web traffic and mobile applications.