RD Calculator

Calculate RD returns without an account. Enter monthly deposit and rate - see maturity value instantly. No login required.

RD Details

5,000
6.5 %
5 Years

Maturity Amount

0

Total Deposit

0

Total Interest Earned

0

Maturity Schedule (Year-wise)

Year Deposit Amount Interest Earned Maturity Value
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Step-by-Step Guide

RD Calculator

Calculate your Recurring Deposit (RD) compound interest earnings, maturity amounts, and systematic savings growth instantly.

1
Set Monthly Installment

Enter your periodic savings contribution amount and specify the deposit term in months or years.

Periodic Principal Tenure Selector
2
Input Interest Rate

Fill in the annual interest rate offered by your banking institution (compounded quarterly as per banking rules).

Rate % Quarterly Compounding Bank Norms
3
Solve Wealth Details

View the total principal invested, accumulated interest earnings, and the final maturity amount.

Total Invested Interest Earned Maturity Value
4
Track Growth Ledger

Review a detailed chronological grid illustrating opening balances, monthly contributions, and quarterly accrued interest.

Amortization Grid Wealth Summary
Client-side processing
Auto-deleted after session
Zero server uploads
Savings Math

Advanced quarterly-compounding recurring deposit calculator

Plan monthly savings plans, compute precise bank deposit payouts, and estimate returns with ease.

Standard Quarterly Compounding

Applies standardized banking sector formulas where interest compounding cycles execute every quarter on accumulated deposits.

Flexible Tenure Projections

Projects balances over short term goals (3-12 months) up to long-term deposits (10 years) smoothly.

Wealth Accumulation Chart

Outputs a clear graphical breakdown comparing total principal invested against interest generated over time.

Secure local Computations

Mathematical processes execute inside your client browser sandboxed engine, keeping your personal finance plans private.

Calculate quarterly-compounded recurring interest rates
View step-by-step monthly savings growth ledger sheets
Sandboxed offline execution guarantees financial privacy
FAQ

Common Questions

Answers about recurring investments, quarterly compounding schedules, tax liabilities, and pre-closures.

How is Recurring Deposit (RD) interest calculated?
It uses the formula: M = R x [(1+i)^n - 1] / [1 - (1+i)^(-1/3)], where R is the monthly deposit, i is the rate of interest, and n is the tenure in quarters.
How often is interest compounded in an RD?
By standard banking regulations in most regions (including India), interest on recurring deposits is compounded quarterly.
Are RD interest earnings taxable?
Yes, interest earned from recurring deposits is taxable as per your individual tax slab under "Income from Other Sources". Banks deduct TDS if interest exceeds certain limits.
Can I calculate partial or skipped months?
This calculator assumes regular monthly deposits. Skipped payments or delayed deposits are subject to bank penalties and reduce final interest yields.
What happens if I close my RD account early?
Premature closure is permitted by most banks, but they generally apply a penalty (typically 0.5% to 1% reduction in the applicable interest rate).