FD Calculator
Calculate fixed deposit maturity amount, total interest, monthly payout, effective yield, and maturity date in seconds.
Enter FD Details
Result
Enter details and calculate.
Maturity Amount
-- Maturity date will appear hereCalculation Summary
- Interest Rate
- --
- Periodicity
- --
- FD Type
- --
- Start Date
- --
- Maturity Date
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FD Growth Schedule
For cumulative FDs, this table shows estimated period-wise growth. For payout FDs, it shows estimated interest payout for each period.
| Period | Opening Balance | Interest Added | Closing Value |
|---|---|---|---|
| Enter valid FD details to see the growth schedule. | |||
About FD Calculator India
FD Calculator is a free online fixed deposit calculator for India that helps estimate how much your deposit may grow by maturity. Enter the principal amount, annual interest rate, tenure, FD type, and compounding or interest periodicity to see the maturity amount, interest earned, and maturity date.
Built for fixed deposit maturity estimates.
Use years, months, and days.
No financial data is stored.
Works on mobile and desktop.
How to Use FD Calculator?
Add the fixed deposit amount.
Enter annual FD interest rate.
Choose years, months, and days.
Check maturity amount and interest.
FD Formula
For cumulative fixed deposits, the maturity amount is usually estimated using compound interest. Many Indian bank FDs use quarterly compounding, but the exact method can vary by bank and deposit scheme.
A is maturity amount, P is principal, r is annual interest rate in decimal, n is compounding frequency, and t is tenure in years. Payout FD estimates use simple interest logic for regular monthly, quarterly, half-yearly, or yearly payout planning.
Popular Uses
Estimate maturity value before investing.
Find when your FD may mature.
Compare total interest earned.
Include an extra rate benefit.
Fixed Deposit Interest and Payout Options
This FD maturity calculator supports cumulative fixed deposits as well as payout-style deposits. For cumulative FD planning, select compounding frequency such as quarterly, monthly, half-yearly, or yearly. For regular income planning, choose monthly payout FD calculator, quarterly payout, half-yearly payout, or yearly payout mode.
Senior citizens can also enter the additional interest rate offered by their bank. The result shows an indicative maturity amount, total fixed deposit interest, regular payout estimate, effective yield, and maturity date before tax or TDS.
More Related Calculators
Why Use GanakMitra FD Calculator?
Use this calculator for quick fixed deposit planning, comparing tenure options, estimating senior citizen FD benefit, and understanding how compounding affects maturity value. It keeps the calculation simple and transparent for everyday use.
FD maturity amountInterest earnedQuarterly compoundingMonthly payout FDBefore tax/TDS estimate
FD Calculator FAQ
What is an FD Calculator?
An FD Calculator estimates the maturity amount and total interest for a fixed deposit using deposit amount, interest rate, tenure, and compounding frequency.
Does this calculator include tax or TDS?
No. It gives an indicative before-tax estimate. Actual payout may differ due to TDS, tax rules, bank rounding, premature withdrawal, and bank-specific practices.
Which compounding frequency should I use?
Quarterly compounding is common for many Indian cumulative FDs, but you should choose the frequency mentioned by your bank.
Can I calculate FD for months and days?
Yes. You can enter tenure using years, months, and days together.
What is cumulative FD?
In a cumulative FD, interest is reinvested and paid with the principal at maturity. This can increase the maturity amount through compounding.
What is monthly payout FD?
In a monthly payout FD, interest is paid regularly instead of being reinvested. The maturity value is usually close to the principal amount, while the interest is received during the tenure.
Can I use this as a senior citizen FD calculator?
Yes. Turn on the senior citizen benefit and enter the extra interest rate offered by your bank. The calculator will include it in the applied FD rate.
Can this calculator estimate monthly and quarterly payout FDs?
Yes. Select monthly, quarterly, half-yearly, or yearly payout mode to estimate regular fixed deposit interest payout before tax and TDS.