FD Calculator
Fixed deposit maturity value with chosen compounding.
Enter your details
How it is calculated
Effective annual yield = (1 + r ÷ n)n − 1.
Worked example
₹1,00,000 for 5 years at 7% with quarterly compounding: A = 1,00,000 × (1 + 0.07 ÷ 4)^20 ≈ ₹1,41,478. Interest ≈ ₹41,478; effective yield 7.19%.
About the FD Calculator
Fixed deposit maturity value with chosen compounding. This free investment & retirement tool runs entirely in your browser: nothing you type is sent to a server, and you can save, print or download the result.
What you need to enter
You will be asked for deposit amount, interest rate (p.a.), tenure – years, tenure – extra months, interest compounding. Fields marked * are required. Every field shows a hint and the allowed range.
How to use it
- Fill in the inputs (sample values are pre-filled so you can see how it works).
- Press Calculate to see the result, breakdown and chart.
- Use Print, Download PDF or Share to keep the result, or come back to it from your saved history.
Who it helps
Salaried individuals, business owners, investors and professionals who want a quick, transparent estimate before they file, invest or plan. If your case has special facts, our team can review it - ask for a consultation.
Results are estimates based on the rules and rates described under "How it is calculated". Laws change and individual facts differ, so confirm with official sources or a qualified professional before acting. This is not tax, legal or investment advice.
Frequently asked questions
Why is quarterly compounding the default?
Most Indian banks compute cumulative FD interest with quarterly compounding. Check your FD receipt: some banks and NBFCs use other frequencies.
Is FD interest taxable every year?
Yes, on an accrual basis for cumulative deposits, even though you receive the money at maturity. Banks may also deduct TDS; Form 15G/15H can be submitted where eligible.
Need help beyond the calculator?
Talk to our tax and compliance team for advice based on your documents.