TDS may apply if interest exceeds a threshold under your local tax rules. Confirm with your bank/tax advisor.

NRE/NRO FD rules and taxation can differ. Returns depend on the product type and residency status.

FD Calculator (Fixed Deposit)

Q: Interest payout options?

FDs are usually cumulative (interest reinvested) or non-cumulative (monthly/quarterly payout). This calculator focuses on cumulative maturity; you can also view periodic interest payout.

Q: Compounding frequency?

Banks often compound quarterly for cumulative FDs, but it varies. Choose what your bank applies.

Q: Premature withdrawal?

Premature withdrawal can reduce the interest rate and may include a penalty. Use this calculator as an estimate.

Calculate maturity amount, total interest earned, and FD growth based on compounding frequency.

🏦 Compounding options 💰 Maturity amount 📈 Interest earned

FD details

✅ Inputs

Deposit amount (Principal)

Amount you invest in the FD.

Interest rate (annual)

Example: 7.25 means 7.25% per year.

Tenure

Use the unit that matches your FD term.

Compounding frequency

Cumulative FDs often compound quarterly.

Interest option

Periodic payout shows interest per period (principal stays same).

Round output

Optional rounding for presentation.

Show schedule

Long schedules can slow mobile.

Inflation (optional)

Used to show estimated real return (approx).

Compound formula: A = P × (1 + r/n)^(n×t) (t in years, r annual rate). Simple interest: A = P × (1 + r×t).

Results

🔥 Output

Maturity amount

—

Interest earned

—

Periodic interest (if payout)

—

Real return (approx)

—

Add inflation to estimate “today’s value”.

Summary

Enter details to see a clean summary.

Growth Schedule

Shows value growth each compounding period (or each year for simple interest).

Period	Start Amount	Interest	End Amount
Click Calculate to generate schedule.

Explanation

A Fixed Deposit (FD) is a low-risk investment where you deposit a lump sum for a fixed tenure at a fixed interest rate. Your final amount depends on the rate, tenure, and how often interest is compounded.

Tip: For cumulative FDs, compounding frequency matters. For non-cumulative FDs, you may receive interest monthly/quarterly while principal remains unchanged.

Formula

A = P × (1 + r/n)^(n×t)
Simple interest: A = P × (1 + r×t)

FAQs

Interest payout options?

Cumulative (reinvest) or periodic payouts (monthly/quarterly interest).

TDS rules?

TDS may apply based on local tax laws and your annual interest amount.

Premature withdrawal?

Premature withdrawal can reduce interest rate and may include penalties.

Compounding frequency?

Often quarterly for cumulative FDs, but depends on bank product terms.

NRI FDs?

NRE/NRO products may have different taxation/withdrawal rules.

FD Calculator (Fixed Deposit)

FD details

Results

Growth Schedule

Explanation

Formula

FAQs

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Simple Interest Calculator