FD Calculator
Fixed deposit maturity with quarterly, monthly, half-yearly or annual compounding, cumulative or payout mode, senior citizen extra rate and effective yield.
| Year | Value / Paid | Interest |
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Cumulative FD: maturity = deposit × (1 + rate ÷ compounding periods) ^ (periods × years). Payout FD: interest is paid out at the chosen frequency using simple interest on the deposit, and the deposit is returned at maturity. Effective yield = (1 + rate ÷ periods) ^ periods − 1, showing what quarterly compounding is worth in annual terms. TDS estimate assumes 10% on annual interest above ₹50,000 (₹1,00,000 for senior citizens) and is approximate only — actual TDS depends on your bank, PAN and total interest in a financial year. Banks may round interest to the rupee each period, so statements can differ by a few rupees.
What is FD Calculator?
FD Calculator is a free online calculator that calculate fixed deposit maturity value with compound interest. Enter your numbers, and it instantly shows the full breakup, with no sign-up, no app, and everything working right in your browser. It also shows a colourful chart of the breakup, so you can see at a glance how much is your own money and how much is growth or interest.
You can change any value to compare scenarios side by side, which makes it easy to plan before you commit to a real decision.
Key Features
- Instant results, with the full breakup shown on page load
- A colourful donut chart showing deposit versus interest
- Cumulative and payout FD modes: reinvested growth or regular interest income
- Compounding frequency choice: quarterly (Indian standard), monthly, half-yearly or annual
- Senior citizen extra rate and a TDS estimate with the senior threshold
- Effective annual yield, showing what compounding is worth in annual terms
- Year-by-year growth table for the full tenure
- Standard FD formulas, so the maths is transparent
- Free, no sign-up, works on mobile and desktop
How to Use FD Calculator
- Enter your values in the fields shown on the page.
- Tap Calculate, or just change a value, since most calculators update automatically.
- Read the result cards and the donut chart.
- Adjust the values to compare different scenarios.
How to Read the Result
Start with the headline numbers, then look at the breakup: your own contribution versus the growth or interest on top of it. The chart makes the split obvious, and changing one input at a time shows you exactly which factor moves the result most.
Frequently Asked Questions
Is this calculator free?
Yes. It is completely free, with no sign-up and no hidden charges.
Are the results exact?
The results use standard formulas and the values you enter. Actual bank or scheme results can differ slightly because of rounding and official rules.
Do I need to sign up?
No. Everything works directly in your browser, with no account needed.
How does FD compounding work?
An FD Calculator applies interest on your deposit at the compounding frequency you choose: yearly, quarterly, or monthly. More frequent compounding gives a slightly higher maturity value on the same deposit and rate, because interest starts earning interest sooner. The FD Calculator donut chart splits the maturity value into deposit and interest, so you can see how much of the final amount came from compounding rather than from your own money. With the default example of a 1,00,000 rupee deposit, the FD Calculator shows 41,478 rupees of interest and a maturity value of 1,41,478 rupees.
Before locking money away, compare the tenure with when you will actually need it, because breaking a deposit early usually costs part of the interest. The FD Calculator helps here: try a shorter and a longer tenure side by side and weigh the extra interest against the loss of flexibility. Deposits in Indian banks are insured up to a limit by the deposit insurance corporation, explained on the DICGC website.
Is FD interest taxable?
Yes, FD interest is generally taxable as income in India, and banks may deduct tax at source above a threshold. The FD Calculator shows pre-tax maturity, so treat the result as the gross figure and check current tax rules for the net picture.
