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.
Disclaimer: This calculator is for informational and educational purposes only and is not financial advice. Actual figures depend on your provider, interest rates, fees, taxes and personal circumstances. Consult a qualified financial professional before making financial decisions.
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.
See how quarterly vs yearly compounding changes returns
Keep the deposit, rate and tenure fixed, then switch the compounding dropdown between yearly, half-yearly, monthly and quarterly to watch the maturity figure move. Since most Indian banks credit FD interest quarterly, this shows the real gap versus simple annual compounding and tells you exactly how many rupees more frequent compounding is worth over your term.
Work out the deposit for a savings goal
Planning for a target like a down payment or tuition bill? Fix the bank's rate, tenure and compounding, then adjust the deposit amount up or down until the maturity value lands on the figure you need. It turns the calculator into a quick reverse planner, telling you roughly how much to lock in today to reach a known amount on a known date.
Compare two FD tenures or rates side by side
Banks often pay different rates for different terms, so a 2-year and a 5-year FD aren't a fair fight on rate alone. Run each offer in turn with its own rate, tenure and compounding, note the interest earned for each, and pick the one that actually grows your money most. Results are the gross, pre-tax maturity, so compare before factoring in any TDS.
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.
Share this tool
Send it to someone who needs it or save the link for later.
More calculators
View allBMI Calculator
Check your Body Mass Index in seconds.
Mortgage Calculator
Estimate your monthly home loan payment.
Loan Calculator
Monthly payment, interest and total cost.
Tip Calculator
Tip and split the bill instantly.
Calorie Calculator (TDEE)
Find your daily calorie needs.
Date Difference Calculator
Days, weeks and months between dates.