Calculate fixed deposit returns instantly. Find maturity amount, interest earned, and effective yield. Compare FD rates across banks and plan your investments with our free FD calculator.
Calculate fixed deposit returns in 3 simple steps:
Enter the amount you want to invest in fixed deposit. Minimum ₹1,000, maximum ₹1 Crore. Most banks accept deposits from ₹5,000 onwards.
Enter the annual interest rate offered by your bank (typically 5-8% for regular FDs, higher for senior citizens). Choose deposit period from 1 month to 10 years.
Choose how often interest compounds: Monthly (highest returns), Quarterly, Half-yearly, or Yearly. More frequent compounding = higher returns.
Principal: ₹1,00,000
Interest Rate: 6.5% per year
Duration: 5 years
Compounding: Quarterly (n = 4)
Formula: ₹1,00,000 × (1 + 0.065/4)^(4×5)
Maturity: ₹1,37,006
Interest Earned: ₹37,006
Effective Yield: 37% over 5 years
Standard fixed deposit with fixed tenure (7 days to 10 years). Interest paid at maturity or periodically. Most common FD type with stable returns.
Special FD for 60+ years with 0.25%-0.75% extra interest. Higher returns for senior citizens. Available at all major banks.
5-year lock-in FD with tax benefits under Section 80C (up to ₹1.5L deduction). Interest taxable. Premature withdrawal not allowed.
Interest reinvested and paid at maturity. Better returns due to compounding. Ideal for those who don't need regular income.
Interest paid out monthly/quarterly/yearly. Good for regular income needs. Lower effective returns than cumulative FD.
Linked to savings account. Automatically converts excess funds to FD. Earns FD interest on idle money. Easy liquidity.
Calculate FD maturity amount instantly. Compare different rates, tenures, and compounding frequencies in real-time.
Calculate in INR, USD, EUR, GBP, AED, and more. Works for fixed deposits worldwide with automatic conversions.
Uses standard compound interest formula. Get accurate results matching bank calculations for maturity amount.
See principal vs interest in charts. Understand exactly how much you earn from your fixed deposit.
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Calculate FD returns on any device. Perfect for comparing bank offers on the go.
Fixed Deposit is a savings scheme where you deposit money for a fixed period at a predetermined interest rate. At maturity, you get principal + interest. FDs offer guaranteed returns and are considered one of the safest investments.
FD rates vary by bank and tenure. Current rates (2025): 5.5-7.5% for regular customers, 6.0-8.0% for senior citizens. Rates are higher for longer tenures (5-10 years) and lower for shorter periods (7 days-1 year).
Monthly compounding gives highest returns, followed by quarterly, half-yearly, and yearly. Example: ₹1L at 6% for 5 years: Monthly = ₹1,34,885, Quarterly = ₹1,34,686, Yearly = ₹1,33,823. Difference increases with higher rates and longer periods.
Yes, premature withdrawal is allowed (except Tax Saver FD). Banks charge penalty of 0.5-1% and pay reduced interest. Some banks allow partial withdrawal. Check terms before investing.
Yes, FD interest is fully taxable as per your income tax slab. Banks deduct TDS if interest exceeds ₹40,000/year (₹50,000 for senior citizens). Submit Form 15G/15H if total income below taxable limit to avoid TDS.
Minimum: ₹1,000-₹10,000 (varies by bank). Maximum: No limit, but interest on deposits above ₹1 crore may be lower. DICGC insures up to ₹5 lakh per bank per depositor.
Cumulative FD (interest reinvested) gives higher returns due to compounding - best if you don't need regular income. Non-cumulative FD (interest paid out) gives lower returns but regular income - best for retirees or those needing cash flow.
Yes, most banks offer loans against FD up to 90-95% of deposit value at 1-2% above FD rate. No processing fee, instant approval, FD continues earning interest. Ideal for emergency funds without breaking FD.
