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FD Calculator

Calculate fixed deposit maturity amount and interest with compound interest.

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Version 1.0.0 · Last reviewed

Tool

Result

Live output from your inputs

Enter values and calculate to see results.

How it worksShow guide

Introduction

Estimate fixed deposit maturity and interest earned with compound interest for a chosen compounding frequency.

Disclaimer: This tool is for informational purposes only and is not professional medical, financial, or tax advice.

Formula

Fixed deposit maturity uses compound interest. A is maturity amount, P principal, r annual rate (decimal), n compounds per year, t years.

A=P(1+rn)ntA = P \left(1 + \frac{r}{n}\right)^{n t}
  • P — Principal deposited
  • r — Annual interest rate as a decimal
  • n — Compounding periods per year
  • t — Tenure in years
  • A — Maturity amount

Step-by-step

  1. Enter the deposit amount (principal).
  2. Enter the annual interest rate.
  3. Enter tenure in years.
  4. Choose how many times interest compounds per year (e.g. 4 for quarterly).

Worked example

₹1,00,000 at 7% p.a. compounded quarterly for 3 years grows to about ₹1,23,143.

Use cases

  • Compare bank FD offers
  • Plan a deposit for a future goal
  • See how quarterly vs monthly compounding changes returns

Frequently asked questions

Does this include tax on interest?

No. Interest is shown before tax. Use your local tax rules for TDS or taxable income.

What compounding value should I use?

Use 1 for annual, 2 for semi-annual, 4 for quarterly, and 12 for monthly — match your bank’s FD terms.

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Version 1.0.0 · Last updated: