FD Calculator

Estimate the maturity amount and interest earned on your Fixed Deposit investments.

Fixed Deposit Details

1,00,000
7.0 %
5 Years

Maturity Amount

0

Principal Amount

0

Total Interest Earned

0

Year-wise Growth of your FD

Year Opening Balance Interest Earned Closing Balance

FD Calculator - Fixed Deposit Maturity Calculator Online

Free FD calculator online. Calculate Fixed Deposit maturity amount, interest earned, and returns for any bank. Compare FD rates and plan your savings.

💰 FD Calculator - Fixed Deposit Returns Calculator Online Free

Calculate your Fixed Deposit maturity value, total interest earned. Compare bank FD rates, plan investments wisely!

Accurate Calculation

Precise maturity amount

Flexible Tenure

7 days to 10 years

Payout Options

Monthly/Quarterly/Yearly

Tax Impact

Post-tax returns visible

How to Use FD Calculator

Calculate your Fixed Deposit returns in 3 simple steps.

1
Enter Investment Amount

Input the principal amount you want to invest (₹10,000 to ₹5 Crores).

2
Enter Interest Rate & Tenure

Specify FD rate (3-9%) and duration (days to years).

3
Get Maturity Value

See total maturity amount, interest earned, year-wise breakdown.

FD Interest Calculation Formula:
A = P(1 + r/n)^(nt)

Where:
A = Maturity Amount
P = Principal
r = Annual interest rate (decimal)
n = Compounding frequency per year
t = Tenure in years

FD Calculator Use Cases

Conservative Investors
  • Senior citizens seeking regular income
  • Risk-averse individuals preferring guaranteed returns
  • Emergency fund parking (liquid FDs)
  • Short-term goal planning (1-3 years)
Bank Comparison
  • Compare SBI, HDFC, ICICI, Axis Bank FD rates
  • Small finance banks vs public sector banks
  • Corporate FDs vs bank FDs (higher risk, higher returns)
  • Senior citizen special rates (0.25-0.50% extra)
Goal Planning
  • Calculate corpus needed for child education
  • Plan vacation fund accumulation
  • Down payment savings for home/car
  • Wedding expense planning
Tax Planning
  • Compare Tax-saver FDs (5-year lock-in) vs regular FDs
  • Calculate post-tax returns (TDS deduction)
  • FD vs Debt mutual fund comparison
  • 80C tax benefit calculation

Frequently Asked Questions

Compound interest formula:

  • Principal: Your initial investment amount
  • Compounding: Interest earned on interest (quarterly/monthly/yearly)
  • Example: ₹1 Lakh @ 7% for 5 years (quarterly compounding)
  • Maturity: ₹1,41,478 (Interest earned: ₹41,478)
  • Effective Rate: 7.19% (due to quarterly compounding)

Premature withdrawal penalties:

  • Penalty: 0.5-1% lower interest rate than contracted rate
  • Minimum Period: Most banks allow after 7 days only
  • Revised Rate: Applicable rate for period FD remained with bank
  • Example: Broke 3-year FD after 1 year → Get 1-year FD rate minus 0.5%
  • Tip: Use loan against FD instead (lower interest, FD continues earning)

Benefits

Why Use FD Calculator?
  • Informed Decisions: Know exact returns before investing
  • Compare Options: Evaluate different banks, tenures, rates
  • Financial Planning: Align FDs with future goals
  • Realistic Expectations: Understand actual maturity value
  • Tax Impact: Calculate post-tax returns accurately
Tool Features
  • Flexible Inputs: Any amount, any tenure, custom rate
  • Multiple Compounding: Monthly, quarterly, yearly options
  • Detailed Breakdown: Year-wise interest accrual table
  • Payout Mode: Cumulative vs periodic interest payout
  • 100% Free: Unlimited calculations, no registration

Calculate FD Returns Now!

Plan your fixed deposit investment—free forever!