FD Calculator

Invested Amount: ₹0
Est. Returns: ₹0
Total Value: ₹0
SIP Calculator
Mutual Fund Returns Calculator
Gratuity Calculator
EPF Calculator
FD Calculator
RD Calculator
CARG Calculator
Compound Interest Calculator
Retirement Calculator
PPF Calculator
EMI Calculator
Simple Interest Calculator

FD Calculator: Easily Estimate Your Fixed Deposit Returns

Saving is smart, but earning more on your savings is even better. A Fixed Deposit Calculator lets you know in advance how much you’ll earn and receive at maturity when you invest in an FD.

This easy-to-use FD interest calculator eliminates complex math and shows your total returns instantly. Whether you're comparing different banks or planning your savings, this tool ensures clarity and confidence.

What is a Fixed Deposit Calculator?

A fixed deposit calculator is an online tool that helps you determine:

  • ✅ The maturity amount of your FD
  • ✅ Total interest earned during the tenure
  • ✅ Impact of FD interest rates and tenure on returns

Just input the deposit amount, interest rate, and duration, and the FD return calculator does the rest.

How Does the FD Interest Calculator Work?

The FD rate calculator uses this compound interest formula:

A = P × (1 + r/n)n×t

Where:

  • A = Maturity amount (total return)
  • P = Principal (your initial deposit)
  • r = Annual interest rate (decimal)
  • n = Compounding frequency per year
  • t = Tenure (in years)

No manual calculation needed—the FD interest rates calculator does it for you.

How to Use the FD Return Calculator?

It’s quick and simple:

  1. 1️⃣ Enter the fixed deposit amount (e.g., ₹1,00,000)
  2. 2️⃣ Choose the investment duration (e.g., 5 years)
  3. 3️⃣ Input the FD interest rate (e.g., 7%)
  4. 4️⃣ Select compounding frequency: monthly, quarterly, or annually
  5. 5️⃣ Click ‘Calculate’ to see your total maturity value and earned interest

Example Calculation

Suppose you invest ₹1,00,000 in an FD for 5 years at a 7% interest rate, compounded quarterly. Using our fixed deposit interest calculator, here's what you get:

  • 🔹 Maturity Amount: ₹1,41,478
  • 🔹 Total Interest Earned: ₹41,478

That’s a safe and guaranteed growth on your savings!

Why Use an FD Calculator Online?

  • 🔹 Plan Smarter – Get accurate maturity and interest projections
  • 🔹 Compare Options – Test various tenures, amounts, and rates
  • 🔹 Goal-Based Savings – Know how much to invest for your goals
  • 🔹 FD Monthly Interest Calculator – See how much you can earn monthly from large deposits

The fixed deposit return calculator is like having your own financial advisor—available 24/7.

Factors That Affect Your FD Returns

These elements play a major role in determining your FD earnings:

  • ✔️ Deposit Amount – More capital, more interest
  • ✔️ Interest Rate – Even 0.5% can make a big difference
  • ✔️ Tenure – Longer duration typically yields higher returns
  • ✔️ Compounding Frequency – Quarterly or monthly compounding grows your money faster
  • ✔️ Premature Withdrawal – Can result in lower returns or penalties

Experiment with these variables using the FD calculator and plan better.

FAQs

A Fixed Deposit (FD) is a financial instrument offered by banks and NBFCs where you deposit a lump sum amount for a fixed tenure at a predetermined interest rate. The amount grows over time, and you receive the principal and interest at maturity.
The FD Calculator estimates the maturity amount of your fixed deposit based on the principal amount, interest rate, and tenure. It helps you plan your investments by showing how much your money will grow over time.
You need to provide:
  • Principal Amount: The lump sum amount you want to invest.
  • Interest Rate: The annual interest rate offered by the bank or NBFC.
  • Tenure: The duration of the FD (in months or years).
  • Interest Payout Frequency: Whether the interest is compounded quarterly, monthly, or at maturity.
In a cumulative FD, the interest is compounded and paid at maturity along with the principal. In a non-cumulative FD, the interest is paid out at regular intervals (monthly, quarterly, etc.), and the principal is returned at maturity.
Yes, you can withdraw your FD before maturity, but it may attract a penalty. The interest rate may also be reduced to the rate applicable for the period the FD was held.
Yes, the interest earned on FDs is taxable as per your income tax slab. Additionally, TDS (Tax Deducted at Source) is deducted if the interest exceeds ₹40,000 (₹50,000 for senior citizens) in a financial year.
The minimum tenure for an FD varies by bank or NBFC but is typically 7 days. However, longer tenures usually offer higher interest rates.
Yes, most banks allow you to take a loan against your FD. The loan amount is usually up to 90% of the FD value, and the interest rate is lower compared to personal loans.

Back To Home