Finance · Investment
FD Calculator
See FD maturity, interest, and payout as you change deposit, tenure, and compounding.
Your FD plan
1,000 – 5 Crore
1 – 20 years (whole years)
Compounding frequency for maturity
Maturity Amount
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Growth over time
Principal vs interest by year
How this calculator works
Fixed deposits remain a staple for savers who want predictable returns. Choose monthly, quarterly, half-yearly, or yearly compounding.
- Enter deposit amount.
- Enter annual interest rate.
- Enter tenure in whole years.
- Choose interest payout / compounding frequency.
Formula
maturity = P × (1 + r/(100×n))^(n×t)
Where n = compounds per year (12, 4, 2, or 1).
Examples
More about this calculator
Practical use cases
Comparing bank FD quotes and compounding frequencies.
Common mistakes
Using the headline rate without checking compounding on the deposit receipt.
Tips
For tax-saving 5-year FDs, remember lock-in and Section 80C separately.
FAQs
Many do for retail FDs, but confirm on your deposit advice.
Payout is the illustrative interest amount per compounding period (total interest ÷ number of periods).