FD Calculator

Plan your fixed deposit smarter with instant maturity projections, compounding-based returns, and yearwise growth insights so you can choose the right FD tenure with confidence.

How to use it

Enter your one-time fixed deposit amount and annual interest rate offered by your bank or institution.
Select investment tenure in years and choose compounding frequency (yearly, half-yearly, quarterly, or monthly).
Optionally add tax on interest to estimate post-tax maturity for more realistic financial planning.
Click "Calculate FD" to view card-style outputs including maturity amount, total interest earned, and effective annual yield.
Review the yearwise FD growth breakdown sheet to track cumulative interest and maturity value over time.

Practical example

Input: Deposit 100000, Rate 7%, Tenure 3 years, Compounding Quarterly, Tax on Interest 10%

Output: Deposit principal, maturity amount, total interest earned, estimated tax, post-tax maturity, effective annual yield, and yearwise growth table.

Frequently asked questions

Does this include tax on FD interest?Yes. You can add an optional tax percentage to estimate post-tax maturity value.

Why does compounding frequency matter?More frequent compounding generally increases maturity value because interest gets reinvested more often.

Can I compare FD options across banks?Yes. Change interest rate, tenure, and compounding frequency to compare maturity outcomes quickly.

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Why use this tool

Fixed Deposit (FD) is a safe investment option offering guaranteed returns, but calculating FD maturity value requires understanding compound interest across multiple quarters. Whether you're comparing FD options from different banks, planning for financial goals, or maximizing safe investments, an FD calculator instantly shows your complete returns. This helps you make informed investment decisions and understand exactly how much your FD investment will grow by maturity date.

Conservative investors, savers, and retirees use FD calculators for investment planning. This free FD calculator instantly computes maturity value and interest earned, perfect for safe investment planning.

Key features

Accurate calculations: Computes FD maturity value with compound interest.
Flexible inputs: Adjust principal, interest rate, tenure, and compounding frequency.
Interest breakdown: Shows principal and interest earned separately.
Bank comparison: Compare different FD offers from various banks.
Tax calculation: Optional tax calculation on FD interest earned.
Investment planning tools free: Build wealth confidently with accurate projections.