FD Calculator
Maturity value of a fixed deposit.
₹1,00,000
7%
5 years
Maturity value
₹1,41,478
- Invested amount
- ₹1,00,000
- Interest earned
- ₹41,478
- Maturity value
- ₹1,41,478
Runs entirely in your browser — nothing you enter is uploaded or sent to a server.
A pre-tax estimate. FD interest is taxable — banks deduct TDS once it crosses ₹50,000 in a year (₹1 lakh for senior citizens) — and breaking the deposit early usually costs a penalty, so confirm the exact maturity with your bank. Read our full disclaimer.
About this tool
A fixed deposit (FD) locks a lump sum with a bank for a fixed term at a fixed rate. In a cumulative FD the interest is reinvested and compounds — Indian banks do this quarterly by default. This calculator shows what your deposit grows to at maturity and how much of that is interest, using A = P(1 + r/n)^(n·t).
Example
₹1,00,000 at 6.6% for 3 years compounded quarterly matures to about ₹1,21,699 — roughly ₹21,699 of it interest.
How to use
- 1Enter the amount you're depositing.
- 2Set the annual interest rate the bank offers.
- 3Set the tenure in years.
- 4Pick the compounding frequency (quarterly is the usual default) to see the maturity value.
Features
- Maturity value and interest earned update as you type.
- Pick the compounding frequency — quarterly, monthly, half-yearly, or annual.
- Deposit and interest shown as separate amounts.
Frequently asked questions
How is FD maturity calculated?
With the compound-interest formula A = P(1 + r/n)^(n·t): P is the deposit, r the annual rate, n the times interest compounds per year (4 for quarterly), and t the years.
Will my bank's figure match exactly?
It's a close estimate. Banks may round differently or apply TDS on interest, so confirm the exact maturity with your bank.
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