FD Calculator

Estimate fixed deposit maturity value and interest using deposit amount, annual rate, tenure, and compounding frequency.

Last updated: May 20, 2026

Accuracy, assumptions and trust notes

RupeeCalc is built to show the calculation path, not just a black-box result. Treat every output as an estimate based on the inputs and assumptions shown on this page.

Page typeFD maturity estimator

Best used forMaturity amount and interest under chosen rate, tenure, and compounding assumption.

Not forExact bank quotation, TDS, premature withdrawal, or reinvestment advice.

VerificationLast reviewed May 20, 2026; official-source links included where applicable.

Formula / calculation approach: Maturity = P × (1 + r/n)^(n×t).

Before acting: Re-check final numbers with official portals, Form 16/Form 26AS/AIS, bank documents, GST notifications, or a qualified professional where relevant.

Rates change often. Enter the current rate from your bank or post-office product page.

Source references

Reserve Bank of India

FD maturity calculator

Deposit amountAnnual interest rate (%)Tenure in yearsCompounding

Formula

Maturity = Principal × (1 + annual rate / compounding frequency) ^ (frequency × years).

Actual bank FD maturity can vary by bank, payout frequency, tax deduction, premature withdrawal, and compounding rules.

Investment/interest calculator limitation

This page explains mathematics only. It does not predict returns, recommend products, compare live bank rates, or provide investment advice. For FD/RD/SIP decisions, verify rates, tax treatment, risk factors, lock-in rules, and charges from the bank, AMC, platform, SEBI/AMFI disclosures, or official product document.

No guaranteeReturns and interest assumptions are user-entered and can differ from actual outcomes.

Tax/riskTaxation and risk depend on product type, tenure, income level, and current rules.

Use caseUse this as a planning estimate, then verify with official product documents.

How to interpret FD maturity value

An FD calculator estimates maturity using deposit amount, interest rate, tenure, and compounding frequency. Actual bank maturity may differ because banks can use specific day-count conventions, premature withdrawal penalties, senior-citizen rates, tax deduction at source, and product-specific terms. Always compare the calculator result with the final bank receipt before locking money.

For planning, compare post-tax returns rather than only the displayed interest rate. Interest from fixed deposits is generally taxable according to the user’s applicable slab, and TDS is only a deduction mechanism, not necessarily the final tax. If your income is below taxable limits or TDS rules do not apply in your case, verify the correct declaration process with your bank or tax advisor.

FD planning checklist

Check whether the rate is annual and whether compounding is quarterly, monthly, or at maturity.
Confirm if premature withdrawal changes the rate.
Compare cumulative and payout options.
Estimate tax impact before comparing FD with debt funds or savings accounts.
Do not put emergency money into a tenure that creates liquidity pressure.