FD कैलकुलेटर
Fixed deposit (FD) calculator
How much will your fixed deposit be worth at maturity? Or how much interest will it pay each quarter?
Runs in your browser · nothing uploaded
Maturity amount
₹7.07 L
- Deposit
- ₹5,00,000
- Interest earned
- ₹2,07,389
- Maturity value
- ₹7,07,389
Formula: maturity = P × (1 + r ÷ n)^(n × t)
- Indian banks usually compound FD interest quarterly; check your bank's schedule.
- Banks deduct TDS once yearly interest crosses a limit, and may add a higher rate for senior citizens. Neither is modelled here: type your own rate.
- Payout banks often discount the monthly figure slightly, so the amount you receive can differ by a few rupees.
An estimate for planning, not financial advice. Real returns, rates and charges depend on your bank, fund or lender, and can change.
| Year | Deposit | Value at year end |
|---|---|---|
| 1 | ₹5,00,000 | ₹5,35,930 |
| 2 | ₹5,00,000 | ₹5,74,441 |
| 3 | ₹5,00,000 | ₹6,15,720 |
| 4 | ₹5,00,000 | ₹6,59,965 |
| 5 | ₹5,00,000 | ₹7,07,389 |
How to use it
- 01Choose reinvested (cumulative) or paid-out interest.
- 02Enter the deposit, your bank's rate and the tenure.
- 03Pick the compounding or payout frequency and read the result.
₹1,00,000 · 7% · 5 years · quarterly
Maturity ₹1,41,478 (interest ₹41,478)
About this tool
For a cumulative FD the interest is added to the deposit each period and earns interest itself: maturity = P × (1 + r ÷ n)^(n × t). Indian banks usually compound quarterly, so that is the default. For a payout FD the interest is paid out regularly and the principal returns unchanged at maturity, so the calculator shows the amount per period and the total.
Type your bank's rate; none is built in, because rates differ by bank and tenure and change often, and senior citizens may get a higher one. TDS is deducted by banks once yearly interest crosses a limit, and the interest is taxable, but neither is modelled here. Banks may also count days slightly differently, so your receipt can differ by a few rupees.
The page runs in your browser and stores nothing. For monthly deposits use the RD calculator; to see inflation's bite on the maturity, try the inflation calculator.
हिंदी में मदद
FD की रकम, अपने बैंक की ब्याज दर और अवधि डालकर परिपक्वता राशि जानें, या ब्याज हर तिमाही/महीने निकालने पर मिलने वाली रकम देखें। दर वही डालें जो आपका बैंक देता है। TDS और टैक्स इसमें शामिल नहीं हैं।
Questions
How is FD maturity calculated?
Maturity = P × (1 + r ÷ n)^(n × t). For ₹1,00,000 at 7% for 5 years compounded quarterly, that is 1,00,000 × 1.0175^20 ≈ ₹1,41,478.
Do banks compound FD interest quarterly?
Most Indian banks do, but check your bank's terms. You can pick monthly, half-yearly or yearly here.
Is TDS deducted on FD interest?
Banks deduct TDS if the interest crosses an annual limit that depends on your age and the current rules. The calculator doesn't deduct it, so check your bank.
Is cumulative or payout better?
Cumulative grows more because interest earns interest. Payout gives regular income. Choose by whether you need the cash flow.