Calculators

FD CALCULATOR

Maturity, year-wise growth, TDS, inflation-adjusted returns, compounding comparison, and goal planning.

Private by design No signup · Free

FD Details

Principal (₹)

Rate (%)

Tenure (Years)

Compounding

Senior Citizen

+0.5% extra rate

Goal Amount (₹)

Monthly Addition (₹)

Enter valuesAdjust inputs to see results

History

Maturity Overview

Estimates for education only — not financial, tax, or investment advice. Verify with a qualified professional. Disclaimer

Principal

Interest

—

Maturity

—

Interest

—

Yield

—

Maturity Date

Year-wise Growth

Enter values to see year-wise growth

Compounding Comparison

Maturity at different compounding frequencies

Monthly

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Quarterly

—

Half-Yearly

—

Yearly

—

Difference: Monthly compounding gives — more than yearly.

TDS & Inflation

Enter values to see tax and inflation impact

Note: TDS at 10% applies if total interest exceeds ₹40,000 in a financial year (₹50,000 for senior citizens). File Form 15G/15H to avoid TDS.

Frequently Asked Questions

How does the FD Calculator work?

Enter principal, annual rate, years and quarterly compounding frequency used by Indian banks. The tool applies FV = P×(1+r/4)^(4×t) locally and shows maturity value, interest earned and post-tax comparison against SIP growth.

Is the FD Calculator free to use?

Yes, it is completely free with no hidden fees, subscriptions, or usage limits. No sign-up or account required. With FD Calculator, re-run with your own inputs before deciding.

How accurate are the results?

Maturity uses quarterly compounding per Indian bank convention with 2-decimal rounding. Confirm TDS and post-tax rates with your bank, since slab changes alter effective yield.

Is my data safe when using FD Calculator?

Absolutely. All calculations happen locally in your browser. Your data never touches any server and is never stored or tracked. With FD Calculator, re-run with your own inputs before deciding.

Should I choose cumulative or quarterly payout?

Cumulative reinvests interest every quarter so maturity is higher through compounding. Quarterly payout sends interest to your account for regular income instead. For FD Calculator, compare both modes with your rate and tenure, then confirm the payout option with your bank before booking.

How does TDS affect my FD returns?

Banks deduct tax at source when annual interest crosses the threshold, which lowers in-hand maturity. For FD Calculator, treat post-tax figures as estimates and check current TDS rules and Form 15G/15H eligibility with a tax professional.

How to Use

Enter Deposit Details

Type principal, annual rate, years and compounding frequency (quarterly for most Indian FDs).

Compare Returns

See maturity value, interest earned and effective yield with senior-citizen rate option.

Check Post-Tax Growth

Compare 7% FD vs SIP post-tax outcomes and inflation impact for 2026 planning.

How to Calculate

Maturity equals P × (1 + r/4)^(4×t) with quarterly compounding. Interest equals maturity minus principal. Post-tax yield subtracts TDS per slab; senior-citizen rates add ~50 bps before the same math.

About the FD Calculator

The FD Calculator computes fixed-deposit maturity and interest with quarterly compounding, TDS estimates, inflation impact and goal tracking for Indian savers. It compares 7% FD vs SIP post-tax growth and senior-citizen rates for 2026.

Deposit amount, rate and tenure compound locally so you can compare bank offers privately. Test quarterly versus cumulative payouts, then confirm the final rate with your bank.

Related Tools

Retirement Planning Calculator

Methodology & feedback

Figures run locally in your browser from the values you enter (page updated 2026-10-02). Estimates are educational only — verify finance, tax and health decisions with a qualified professional (see Disclaimer). Spotted an error? Report it via contact and we correct with a new update date.

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