FD Calculator — Fixed Deposit Maturity and Interest
Calculate fixed deposit maturity value or the monthly/quarterly interest payout for any amount, rate and tenure.
Free, with no sign-up and no watermark. The file is processed in your browser and never uploaded.
Calculate the maturity value of a cumulative fixed deposit, or the interest paid out every month or quarter by a non-cumulative FD, for any amount, rate and tenure.
Step by step
- Enter the deposit: The amount you'll deposit.
- Enter the rate and tenure: Yearly interest rate, years and months.
- Choose the type: Reinvest (cumulative) with a compounding frequency, or a monthly/quarterly payout.
Handy for
Comparing banks
See what different rates mean in rupees.
Monthly income
Plan regular income from a payout FD.
Tax planning
Estimate interest that will be taxed.
Senior citizen FDs
Check the effect of the higher rate.
Good to know
Most banks in India compound FD interest quarterly for deposits of six months or more, and pay simple interest on shorter ones — the calculator does the same.
Questions
Is FD interest taxable?
Yes, it's added to your income, and the bank may deduct TDS. This calculator shows interest before tax.
Are my photos or numbers uploaded anywhere?
No. Everything is processed by JavaScript in your browser tab — photos, signatures and the figures you type never leave your device.
Further reading
- SIP vs FD vs PPF vs Lumpsum: How Returns Are Calculated — How SIP, FD, PPF and lumpsum calculators compute maturity, which returns are fixed and which are assumed, and how to measure real returns with CAGR or XIRR.
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