FD Calculator
Maturity value
–
- Amount invested
- Interest earned
- Amount invested
- –
- Interest earned
- –
- Maturity value
- –
Illustrative estimates only, based on the assumptions you choose. Actual returns, rates and costs will vary.
About the FD calculator
A fixed deposit (FD) earns a fixed rate of interest for a set period. Most Indian banks compound FD interest quarterly, which this calculator assumes.
Interest on FDs is taxable at your income-tax slab rate, and banks may deduct TDS.
How to use it
- Move the sliders, or type a value into each box.
- Watch the results and chart update as you go.
- Try different assumptions to see what changes the outcome most, then talk to us about a plan.
The formula
A = P × (1 + r ÷ 4)4t
- P: deposit amount
- r: annual interest rate
- t: time in years (compounded quarterly)
Example
A deposit of ₹1,00,000 for 5 years at 7% would mature at about ₹1,41,478.
FD Calculator: common questions
Yes. It is added to your income and taxed at your slab rate. Banks deduct TDS above a threshold unless you submit Form 15G or 15H where eligible.
Usually yes, but banks may charge a penalty and pay a lower rate for the period the money was held.
FDs offer fixed returns; debt funds offer market-linked returns and more flexibility. We can explain which suits your goal.
Want a plan, not just a number?
Book a free financial checkup and we'll turn these estimates into a plan that fits your life.