FD Calculator

Get your FD maturity amount without logging in. Enter deposit details and see returns instantly. No account needed - completely open to use.

Fixed Deposit Details

1,00,000
7.0 %
5 Years

Maturity Amount

0

Principal Amount

0

Total Interest Earned

0

Year-wise Growth of your FD

Year Opening Balance Interest Earned Closing Balance
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Step-by-Step Guide

Calculate Fixed Deposit Maturity in 4 Easy Steps

Find out the exact interest earned and final maturity value of your fixed deposit investment.

1
Input Deposit Amount

Enter the principal sum of money you wish to invest in the fixed deposit scheme.

Principal Investment Lump Sum Deposit
2
Specify Interest Rate

Enter the year-on-year interest rate offered by the financial institution or bank.

Annual Interest Rate Fixed Yields Senior Citizen Premium
3
Set Compounding

Select how often interest compounds (monthly, quarterly, half-yearly, or annually) during the investment period.

Compounding Periods Quarterly Standard Interest Accrual
4
Define Tenure

Select the total duration of the deposit in days, months, or years to run the calculation.

Deposit Duration Maturity Date
Pure client-side math
No personal wealth logs stored
100% Private local sandbox session
Savings Tools

Accurately Predict Your Wealth Growth

Simulate interest payouts, compare different bank yields, and plan savings goals dynamically.

Flexible Compounding Cycles

Supports standard quarterly compounding used by commercial banks, plus monthly, semi-annual, and simple interest modes.

Interest Earned Breakdowns

Provides a clear visual ratio of your initial principal deposit compared to the total interest accumulated over time.

Senior Citizen Schemes

Compare normal rates with senior citizen rates (typically offering a premium of 0.25% to 0.75% higher interest).

Tenure Flexibility

Supports short-term deposits measured in days, medium-term in months, or long-term investments spanning decades.

Accurate formulas matching national banking regulations
All savings configurations remain in-browser
Plan risk-free investments to secure your savings
FAQ

Common Questions

Common questions about interest rates, TDS rules, premature withdrawals, and compounding.

How does compounding frequency affect my FD maturity amount?
Compounding frequency determines how often interest is added to your principal. The more frequently interest is compounded (e.g., quarterly vs. annually), the more interest you earn on your interest, resulting in a higher maturity amount.
What formula is used to calculate Fixed Deposit interest?
For compound interest, the formula is: A = P x (1 + r/n)^(n*t), where A is maturity amount, P is principal, r is annual interest rate, n is compounding frequency per year, and t is tenure in years. For simple interest, the formula is A = P + (P x r x t).
Is interest earned on Fixed Deposits taxable?
Yes, FD interest is considered taxable income under 'Income from Other Sources'. Banks may also deduct tax at source (TDS) if your annual interest income exceeds statutory limits.
Can I withdraw my Fixed Deposit prematurely?
Yes, most banks allow premature withdrawals. However, they usually charge a small penalty (e.g., 0.5% to 1% reduction in the applicable interest rate for the period the deposit was held).
What is a Tax-Saving Fixed Deposit?
A Tax-Saving Fixed Deposit is a special type of FD that has a mandatory lock-in period of 5 years. It qualifies for income tax deductions under tax saving laws, but premature withdrawal is strictly prohibited.