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FD Calculator
Calculate your fixed deposit maturity amount and interest instantly. Plan your savings with accurate calculations.
Financial Tips
- Quarterly and monthly compounding yields slightly more than yearly compounding.
- Compare post-tax returns, especially if you are in a higher tax bracket.
- Senior citizens often get higher FD rates.
- Check premature withdrawal penalties before booking an FD.
About this Calculator
The Fixed Deposit (FD) calculator estimates the maturity amount and total interest earned by compounding interest at a chosen frequency.
When to use it
Use it to compare FD rates and tenures across banks before locking in your savings.
Benefits
- Compare FD, RD, PPF and EPF returns
- Estimate interest and maturity amount
- Plan tax-efficient savings
- Choose the right tenure and frequency
- Build an emergency and goal corpus
Important Notes
Interest earned on FD is taxable. Banks deduct TDS if interest exceeds ₹40,000 per year for regular citizens.
Fixed Deposit Calculator
₹
Amount you deposit in the FD.
%
Annual FD interest rate.
yr
FD duration in years.
How often interest is compounded.
Input & Output Guide
Inputs
- Principal Amount — Initial amount deposited in the FD.
- Interest Rate — Annual rate of interest offered by the bank.
- Tenure — Duration for which the FD is held.
- Compounding Frequency — How often interest is added to the principal.
Outputs
- Maturity Amount — Total amount at the end of the FD tenure.
- Total Interest — Interest earned over the FD tenure.
Frequently Asked Questions
Compounding means interest is added to the principal at regular intervals, and future interest is calculated on the new total.
More frequent compounding gives a slightly higher maturity amount. Quarterly or monthly compounding is common.
Yes. FD interest is taxable as per your income-tax slab. TDS applies if interest exceeds the threshold.
Yes, but banks usually charge a penalty and reduce the interest rate.
It uses standard compound-interest formula. Actual bank interest may vary by compounding convention.
It is an online tool that helps you estimate financial numbers quickly and accurately.
Yes. All BANQUEEN.IN calculators are free to use without registration.
Results use standard financial formulas and are accurate for the inputs provided. Actual products may have fees, taxes or rounding differences.
Yes. The calculator is fully responsive and works on smartphones, tablets and desktops.
No. You only enter numeric inputs for the calculation. Personal information is only required if you choose to request a callback.
Change the input values and click Calculate to see the updated results and chart instantly.
The required inputs are shown with labels and helper text. They typically include amount, rate and tenure.
The breakdown explains each component of the result, such as principal, interest, tax or returns.
Yes. You can copy the page URL and share it. The canonical URL stays the same.
Yes. Calculators are for planning. Please consult a certified financial or tax advisor before final decisions.
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Disclaimer
The results are estimates based on the inputs provided. BANQUEEN.IN is not a lender, bank, insurer or investment advisor. Please consult a certified financial professional before taking any financial decision.