Estimated maturity amount
Estimated interest earned
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Educational estimate only
Estimate fixed deposit maturity amount and interest earned using deposit amount, interest rate and tenure.
What Will It Grow To?
Educational estimate only
Results can vary based on company policy, lender terms, tax law, and personal assumptions.
How does an FD calculator estimate maturity amount? It estimates maturity using deposit amount, interest rate, tenure, and compounding frequency assumptions. The output is an educational projection and not a live bank quote.
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.
For a ₹1,00,000 FD at 7% for 3 years with quarterly compounding, the maturity value is about ₹1,23,144, of which about ₹23,144 is interest earned before tax.
No. The calculator shows pre-tax estimates unless tax-specific adjustments are explicitly included in your scenario assumptions.
More frequent compounding can increase estimated maturity value for the same annual rate and tenure.
No. Enter the rate manually based on your chosen bank or source for an educational estimate.
Yes. Compare scenarios by changing assumptions to understand how compounding influences total maturity.
Yes. Early closure may reduce effective return due to penalty or lower applicable rate, depending on institution policy.
Yes. Even when nominal maturity rises, purchasing power can be lower if inflation remains elevated over the tenure.
Interest taxation can change net outcomes, so use post-tax assumptions where relevant and verify with applicable tax rules.
The calculator output is an estimate based on entered assumptions; actual terms and outcomes depend on institution and policy conditions.