Fixed Deposit Calculator
Estimate FD maturity value and interest earned.
Inputs
Deposit
₹5,00,000
Interest Earned
₹2,10,873
Maturity Amount
₹7,10,873
Growth Timeline
Year-wise Breakdown
| Year | Invested | Value |
|---|---|---|
| 1 | ₹5,00,000 | ₹5,36,456 |
| 2 | ₹5,00,000 | ₹5,75,571 |
| 3 | ₹5,00,000 | ₹6,17,538 |
| 4 | ₹5,00,000 | ₹6,62,564 |
| 5 | ₹5,00,000 | ₹7,10,873 |
How this is calculated
A = P × (1 + r/n)^(n×t)- 1Investment: ₹5,00,000, rate: 7.1%, tenure: 5 years
- 2Compounding: 4× per year
- 3Maturity value: ₹7,10,873
- 4Interest earned: ₹2,10,873
Results are estimates for educational purposes only and are not financial, investment, tax, accounting, or legal advice. Always consult a qualified professional before making financial decisions.
By Vizo ToolLast updated August 20265 min read
Fixed Deposit Calculator — Plan Your FD Maturity
The Fixed Deposit (FD) Calculator tells you exactly how much your deposit will be worth at maturity. Enter the deposit amount, interest rate, tenure, and compounding frequency — most Indian banks compound quarterly — and instantly see your maturity amount and total interest earned.
Use it to compare banks, tenures, and compounding policies before locking in your money, or to check what an existing FD will be worth. Everything runs privately in your browser.
- Quarterly compounding
- Maturity amount
- Interest earned
- Growth chart
- Free & private
Why Use FD Calculator?
Compare FD Options
Quickly compare rates and tenures across banks to find the best return on your deposit.
Quarterly Compounding
Model the standard Indian bank practice of quarterly compounding — or any other frequency.
Interest Earned Clarity
See your interest separate from principal so you know exactly what the deposit earns.
Free & Private
No sign-ups, no uploads — your deposit math stays on your device.
Features
Maturity Amount
The headline number — what your deposit grows to at the end of the tenure.
Flexible Compounding
Yearly, half-yearly, quarterly, monthly, or any frequency from 1 to 12 times a year.
Growth Chart
A line chart shows your deposit value climbing over the full tenure.
Instant Updates
Adjust amount, rate, or tenure and every result updates immediately.
Copy, Share & Print
Copy the summary, share it, or print a report of your FD plan.
How to Use the FD Calculator
Project your fixed deposit in three steps.
Enter the deposit amount
Type or slide the amount you plan to deposit (e.g. ₹5,00,000).
Set rate, tenure and compounding
Choose the interest rate, years, and how often the bank compounds interest (quarterly is the norm).
Check the maturity value
Review your maturity amount, total interest, and growth chart.
Frequently Asked Questions
Got questions? We've got answers.
How is FD interest calculated?▼
Banks compound interest quarterly: A = P × (1 + r/4)^(4×t). The calculator applies your chosen frequency automatically.
What is the current FD interest rate?▼
Rates vary by bank and tenure — generally 5.5% to 7.5% for most tenures. Use the slider to test your bank's rate.
How often do Indian banks compound FD interest?▼
Most banks compound quarterly. Senior citizens often receive a 0.25–0.5% higher rate.
What is the maturity amount?▼
The total you receive at the end of the tenure — your deposit plus all the interest earned on it.
How much will ₹5 lakh FD earn in 5 years?▼
At 7.1% compounded quarterly, ₹5,00,000 grows to about ₹7,11,000 — roughly ₹2.11 lakh of interest.
Is FD interest taxable?▼
Yes — FD interest is taxed at your income tax slab rate, and TDS is deducted above ₹40,000 (₹50,000 for senior citizens). Use the income tax calculator for details.
What is the formula for FD maturity?▼
M = P × (1 + r/n)^(n×t), where n is the compounding frequency per year. The tool shows this in its explanation panel.
Can I compare quarterly vs monthly compounding?▼
Yes — change the frequency slider and watch the maturity amount update. Quarterly is standard, monthly earns slightly more.
Is FD safer than mutual funds?▼
FDs are generally low-risk with guaranteed (subject to bank) returns, while mutual funds carry market risk but higher long-term potential.
Does the calculator support long tenures?▼
Yes — up to 20 years with a growth chart covering the full tenure.
Are FD returns guaranteed?▼
Fixed deposits offer assured returns at the contracted rate (bank permitting). The calculator uses the rate you enter.
Can I copy or share my FD projection?▼
Yes — copy a clean summary, share it, or print a report from the results toolbar.
Is my deposit data private?▼
Completely — everything runs in your browser and nothing is uploaded.
What is the difference between FD and RD?▼
An FD is a one-time lump-sum deposit; an RD (recurring deposit) is monthly. This site also has SIP and compound interest tools for similar planning.
Does it work on mobile?▼
Yes, fully responsive with touch-friendly sliders on all devices.
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