FD Calculator
Last updated: May 7, 2026Fixed deposit maturity and interest.
FD Calculator is a free online calculator to fixed deposit maturity and interest. It runs entirely in your browser, so your files never leave your device — nothing is uploaded. There's no sign-up, no watermark, and it works on any modern browser on desktop or mobile.
How to use FD Calculator
This FD calculator estimates the maturity amount and interest earned on a fixed deposit using compound interest, A = P times (1 + r/n)^(n times t), with adjustable compounding frequency. Enter the deposit, the annual rate and the term to see what your money becomes at maturity. Savers use it to compare bank FD offers and pick the best rate and compounding option.
Read the full guide: How to Calculate FD Maturity Amount and Interest Earned
- 1Enter the deposit amount, annual interest rate and tenure.
- 2Select the compounding frequency, such as quarterly, monthly or yearly.
- 3Read the maturity value and the total interest earned.
Compare bank offers
Test different rates and tenures to find the FD that returns the most.
Compounding control
Choose quarterly, monthly or yearly compounding to match how a bank credits interest.
Clear maturity figure
Shows the exact amount you receive and how much of it is interest.
FD Calculator — frequently asked questions
How is FD maturity calculated?
Most banks compound FD interest, so the maturity is P(1 + r/n)^(nt), where r is the annual rate, n is the compounding frequency and t is the term in years. The interest earned is the maturity amount minus your deposit.
Does compounding frequency affect my FD return?
Yes. Quarterly compounding adds interest to the balance four times a year, slightly outperforming annual compounding at the same rate. Many Indian banks compound FDs quarterly, so selecting that gives the most realistic estimate.
Is TDS or tax included in the result?
No. The figure is the gross maturity before tax. FD interest is taxable and banks may deduct TDS, so your in-hand amount can be lower depending on your tax situation.
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