Fixed Deposit Calculator

Calculate your FD maturity amount, interest earned and periodic interest payout.

Total Deposit

Rs. 0

Interest Earned

Rs. 0

Est. Maturity Amount

Rs. 0

Effective Annual Yield

FD Details

Deposit Amount (Rs.)

Interest Rate (% p.a.)

Tenure

Years

Months

Tenure Mode

Deposit Date (optional)

Maturity Date

Senior Citizen

Interest Option

Cumulative

Interest accumulates and is paid with principal at maturity.

Monthly Payout

Interest is paid every month; principal stays invested.

Quarterly Payout

Interest is paid every quarter.

Half-Yearly Payout

Interest is paid every six months.

Annual Payout

Interest is paid once a year.

Calculation Frequency (compounding)

This is an estimation setting, not every bank’s actual compounding convention. Default is quarterly, commonly used for cumulative deposits in India.

Actual bank maturity may differ depending on the bank’s FD product, compounding convention, rounding methodology and tenure calculation.

FD Summary

Year-wise Growth

Year	Opening Balance	Interest	Closing Balance

Principal vs Interest

Compare FD Rates

Uses the deposit amount and tenure entered above. Enter up to three rates to compare.

Option A Rate (%)

Option B Rate (%)

Option C Rate (%)

Option	Rate	Interest	Maturity

FD interest may be taxable and TDS may apply depending on applicable tax rules, thresholds and the depositor’s circumstances. This calculator does not calculate TDS.

Premature FD Withdrawal

Banks may allow premature closure subject to product rules.
The applicable interest may be lower than the originally booked rate.
A penalty may apply depending on the bank or product.
The exact calculation depends on the bank’s specific terms.

Premature withdrawal calculation will be added in a future version.

FD vs Savings Account

Fixed Deposit

Usually higher interest
Fixed tenure
Less liquidity

Savings Account

More liquidity
Usually lower interest
Suitable for readily accessible funds

This is general information, not investment advice.

What Information Do I Need to Calculate My FD?

• Deposit amount

• FD interest rate

• Tenure

• Interest payout option

• Compounding frequency (if applicable)

• Deposit date

Frequently Asked Questions

Disclaimer: This calculator provides an estimate based on the information entered by the user and the selected calculation method. Actual FD interest and maturity amount may vary depending on the bank, deposit product, compounding frequency, day-count convention, rounding methodology, tenure calculation and applicable terms and conditions. Please refer to the relevant bank’s FD terms for the exact maturity amount.