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Finance Calculators

FD Calculator

Verified formula Updated Jun 2026 Private — runs on your device

Enter details
₹
%
5 years
1 years10 years
Verified formula Private

Maturity value

₹1,41,478

Principal
₹1,00,000
Interest earned
₹41,478
View chart data
Principal100000
Interest earned41478

For general information only — not financial, tax, legal or medical advice. Verify before you rely on it.

How to use the FD Calculator

The FD Calculator works out your maturity value, along with 2 related figures in an instant. Enter deposit amount, interest rate (p.a.) and tenure and the result updates as you type — it is free, needs no sign-up, and runs entirely in your browser so your figures stay private.

  1. Enter the deposit amount.
  2. Enter the interest rate (p.a.).
  3. Set the tenure.
  4. Choose the compounding frequency.
  5. Read off your maturity value, together with principal and interest earned — the calculator updates automatically, with no button to press.

Worked example

For example, with deposit amount of ₹100,000, interest rate (p.a.) of 7%, tenure of 5 years and compounding frequency of Quarterly, the maturity value is ₹1,41,478.

Inputs used
Deposit amount ₹100,000
Interest rate (p.a.) 7%
Tenure 5 years
Compounding frequency Quarterly
Results
Maturity value ₹1,41,478
Principal ₹1,00,000
Interest earned ₹41,478

Results are estimates for educational use, not professional advice.

Key terms explained

Interest rate
The percentage charged on a loan or paid on savings, usually quoted per year (per annum).
Principal
The original sum of money borrowed or invested, before any interest is added.
Maturity
The point at which an investment or deposit ends and its full value becomes payable.
Tenure
The length of time over which a loan is repaid or an investment is held.

Frequently asked questions

A fixed deposit is a savings instrument where you deposit a lump sum with a bank for a fixed tenure at a fixed interest rate. The interest compounds periodically and is paid out at maturity or at intervals.

Maturity = P × (1 + r/m)^(m×t), where P is the principal, r the annual rate, m the compounding frequency per year, and t the tenure in years. The calculator applies this automatically.

Yes. More frequent compounding (quarterly or monthly vs yearly) earns slightly more interest for the same rate and tenure, because interest is added to the principal more often.

Yes. FD interest is added to your income and taxed at your slab rate, and banks deduct TDS if interest crosses the threshold in a year. This calculator shows the pre-tax maturity value.

Enter the deposit amount. Enter the interest rate (p.a.). Set the tenure. Choose the compounding frequency. Read off your maturity value, together with principal and interest earned — the calculator updates automatically, with no button to press.

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