Fixed Deposit Planner

FD Calculator (Fixed Deposit Interest & Maturity Calculator)

Use this fixed deposit calculator to estimate FD maturity amount, interest earned, monthly or cumulative payout impact, senior citizen rates, and post-tax FD returns.

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FD RD

Deposit Amount (INR) 500000

Interest Rate (percent p.a.) 7.1%

Time Period (years) 5

Compounding Frequency

Payout Type

Senior Citizen Rate Boost

Tax Slab (percent)

Target Maturity Amount (optional, INR)

Total Invested

Gross Interest

Maturity Value

Post-tax Maturity

Required Principal for Target

Effective Annual Yield (Post-tax)

Add target amount to see progress. 0%

Maturity Growth vs Principal

Principal vs Interest

Year-wise Projection

Year	Principal	Interest Earned	Maturity Value

How this FD interest calculator works

This FD maturity amount calculator estimates your fixed deposit returns based on deposit amount, annual interest rate, tenure, payout mode, and compounding frequency. In cumulative mode, interest is reinvested. In non-cumulative mode, interest is treated as periodic payout.

Formula reference (cumulative): FV = P * (1 + r/n)^(n*t). For non-cumulative view: FV = P + (P * r * t).

This fixed deposit return calculator supports common search needs like quarterly interest estimation, cumulative and non-cumulative FD comparison, and principal-plus-interest planning for India users.

Want to measure your investment's annualised growth rate across years? Use our CAGR Calculator.

Need a monthly savings option instead of a lump sum deposit? Use our RD Calculator to compare recurring deposit maturity and interest.

How to calculate FD maturity amount?

Enter principal amount, FD interest rate, tenure, and compounding frequency. The calculator then applies the maturity formula to estimate total value and interest earned.

Can I use this as a monthly interest FD calculator?

Yes. Select non-cumulative payout mode to estimate periodic interest payout behavior and compare it with cumulative compounding.

How does the senior citizen FD option work?

Enable senior citizen mode to add a rate boost to the selected FD interest rate. The calculator updates maturity, interest, and target-principal estimates automatically.

Is FD interest taxable and can this calculator estimate post-tax return?

FD interest is taxable as per your slab. This page applies your selected tax rate on total interest and shows an estimated post-tax maturity amount.