Savings

FD Calculator India

Estimate fixed deposit maturity amount and interest earned using deposit amount, interest rate and tenure.

Educational estimate only

Calculator results can vary based on company policy, lender terms, tax law, investment assumptions or personal details.

Enter your values

Deposit amount₹Initial fixed deposit amount.Annual interest rate%Annual FD interest rate.TenureyearsFD duration in years.Compounding frequency per yeartimesUse 4 for quarterly compounding.

Estimated results

Estimated maturity amount

₹1,23,144

Estimated interest earned

₹23,144

This calculator gives an educational estimate. Verify final numbers with your payslip, lender, tax advisor or official source.

Formula used

FD maturity is estimated using compound interest: P × (1 + r/n)^(n×t), where P is principal, r is annual rate, n is compounding frequency and t is tenure.

Example calculation

For a ₹1,00,000 FD at 7% for 3 years with quarterly compounding, the calculator estimates maturity value and interest earned.

When this tool is useful

When you want a fast estimate before making a financial or salary decision.
When you want to compare different assumptions in seconds.
When you want to understand the formula behind the result.

FAQs

Is TDS included?

No. This calculator estimates pre-tax maturity. Actual post-tax returns depend on TDS and your income tax slab.

Why does compounding frequency matter?

More frequent compounding can slightly increase maturity value for the same annual rate.