Investment Calculator
Gold vs SIP Calculator
Compare a monthly Systematic Investment Plan (SIP) in gold vs equity mutual funds. Popular comparison for Indian investors.
- Total Invested
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- Gold SIP Value
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- Equity MF Value
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- Gold Gain
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- Equity Gain
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- Winner
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Gold CAGR in INR includes currency effect. Not financial advice. Returns are estimates only.
Frequently Asked Questions
What is a SIP in gold?+
A Systematic Investment Plan (SIP) in gold means investing a fixed amount monthly — via Gold ETFs, SGBs, or digital gold. This calculator simulates that.
Is gold SIP better than equity SIP?+
Equity mutual funds have historically returned 12–15% CAGR in India over 10+ years, while gold SIP has returned ~10–11%. Equity generally wins long-term.
Which Gold ETF should I use for SIP in India?+
Popular options: Nippon India Gold ETF, HDFC Gold ETF, SBI Gold ETF. Expense ratios range 0.4–0.6%.
What is the future value formula for SIP?+
FV = PMT × [(1 + r)^n − 1] / r × (1 + r), where r = monthly return rate and n = months.
Can I invest in gold SIP via Zerodha or Groww?+
Yes. Both platforms offer gold ETF SIPs. You can also buy Digital Gold (PayTM, PhonePe) or SGBs via your bank.