Calculate your Fixed Deposit (FD) maturity amount, interest earned and total returns using different compounding frequencies and deposit tenures.
Enter your fixed deposit amount, annual interest rate, investment tenure and preferred compounding frequency.
The calculator estimates the interest earned and maturity amount using the selected compounding frequency or simple interest method.
Instantly see your maturity amount, interest earned, investment growth and overall FD performance summary.
A Fixed Deposit (FD) is a secure investment offered by banks and financial institutions where you deposit a fixed amount for a specific period at a predetermined interest rate. At maturity, you receive your original deposit along with the interest earned over the investment period.
Fixed Deposits are considered one of the safest investment options because the interest rate is fixed and returns are predictable.
Unlike market-linked investments, FDs offer guaranteed returns regardless of market fluctuations.
A = P × (1 + r / n)nt
Where A is the maturity amount, P is the principal deposit, r is the annual interest rate, n is the number of compounding periods per year and t is the investment period in years.
Interest Earned
Interest = Maturity Amount − Principal Amount
| Feature | Fixed Deposit | Savings Account |
|---|---|---|
| Returns | Higher | Lower |
| Liquidity | Limited | High |
| Risk | Very Low | Very Low |
| Best For | Long-Term Savings | Daily Banking |
Interest earned from Fixed Deposits may be taxable depending on your country's tax rules and your total taxable income. Some banks may also deduct tax at source (TDS) if the interest exceeds specified limits. Always check the latest tax regulations or consult a qualified tax professional.
Suppose you invest ₹100,000 in a Fixed Deposit for 5 years at an annual interest rate of 7.5%, compounded quarterly.
The Fixed Deposit (FD) Calculator helps estimate the maturity amount and interest earned on your deposit based on the investment amount, annual interest rate, deposit tenure and compounding frequency. It provides quick and accurate estimates to help you compare different Fixed Deposit options.
Whether you're saving for an emergency fund, a major purchase or long-term financial security, this calculator helps you understand how your money can grow over time with predictable returns.
This FD Calculator provides estimated maturity values based on the information you enter. Actual returns may vary depending on bank policies, compounding methods, taxes, premature withdrawals and applicable regulations. The calculator is intended for educational and financial planning purposes only.
A Fixed Deposit is a savings product offered by banks and financial institutions that provides a fixed interest rate for a specified investment period.
The maturity amount depends on the deposit amount, annual interest rate, tenure and selected compounding frequency.
Choose the option that matches your bank's FD scheme. Quarterly compounding is one of the most common methods used by banks.
Yes. This calculator supports both years and months as investment tenure.
In many countries, FD interest may be taxable based on applicable tax laws and your total taxable income.
Many banks allow premature withdrawal, but the applicable interest rate and penalties may reduce your returns.
Generally, Fixed Deposits offer more predictable returns and lower risk than stocks, but they also usually provide lower long-term growth potential.
Yes. It is completely free and works on desktop, tablet and mobile devices.
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