FD Calculator
Predict the precise maturity value of your one-time deposits with exact compounding frequencies.
Tip: Change one assumption at a time and compare result deltas before making pricing or hiring decisions.
Fixed Deposit Outcome
Enter the principal and interest rate to calculate your completely risk-free returns.
Use the FD calculator to estimate how a one-time deposit grows over a fixed tenure. It helps you compare maturity amount, total interest earned, and the effect of different compounding frequencies before you lock money into a deposit.
1. Enter the deposit amount
Start with the lump-sum amount you plan to place in the fixed deposit.
2. Set rate, tenure, and compounding
Interest rate, duration, and compounding frequency together determine the final maturity value.
3. Review maturity and interest
Check the maturity amount as well as the total interest component, not just the final balance.
4. Compare scenarios before locking funds
Try alternate tenures or compounding frequencies to see whether a different structure improves returns.
Are fixed deposit returns taxable?
Yes. FD interest is generally taxable according to your income-tax slab, and banks may deduct TDS when applicable.
Can I break an FD before maturity?
Usually yes, but banks often apply a premature-withdrawal penalty or reduce the effective interest rate.
Why does compounding frequency matter?
More frequent compounding credits interest back to the deposit sooner, which can increase the maturity amount over time.
What is a tax-saving FD?
It is a special 5-year FD eligible for Section 80C deduction, but the interest earned is still typically taxable.