Enter the deposit amount.
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PLANNING06 / 06 · Financial planning tool
FD Calculator
Estimate the maturity value of a fixed deposit and separate your original deposit from the interest earned.
PLANNING · FD Calculator
FD Calculator
Estimate fixed-deposit maturity and the interest you can earn. All calculations happen in your browser.
Maturity value₹1,41,478
Deposit₹1,00,000
Interest earned₹41,478
For planning and educational purposes only. Results depend on the assumptions you enter and are not investment advice.
WHY THIS TOOL EXISTS
Understand the compounding behind your FD
Fixed deposits are straightforward, but the compounding frequency still affects the final maturity amount. Use the calculator to compare scenarios before choosing a tenure or product.
01 · Inputs matter02 · Time changes the answer03 · Use it for planning
HOW TO USE IT
Turn the inputs into a better decision.
Keep assumptions realistic, compare scenarios and use the output as one input in your decision — not as a promise of returns.
Enter the annual interest rate offered by the bank.
Choose the tenure and compounding frequency.
Compare the maturity value with the original deposit and remember that the result is before tax.
COMMON QUESTIONS
Before you use the number.
01How is FD maturity calculated?+
Maturity is based on the deposit, annual rate, compounding frequency and tenure. More frequent compounding can produce a slightly higher maturity value.
02How often do banks compound FD interest?+
Many Indian cumulative FDs compound quarterly, but products differ. Select the frequency that matches the product you are evaluating.
03Is FD interest taxable?+
FD interest is generally taxable according to applicable tax rules. This calculator shows the pre-tax maturity value.
04Does an FD guarantee the exact result?+
The calculation assumes the quoted rate remains applicable for the full tenure and uses the selected compounding frequency. Check your bank’s product terms.