Calculate fixed deposit maturity and interest — quarterly, monthly, half-yearly, yearly or payout FDs.
Adjust settings to match exactly what you need
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Type the amount you want to put in the fixed deposit.
Enter the FD interest rate your bank offers for that tenure (senior citizens usually get a little more).
Choose years, months and days — for example 1 year 6 months or 444 days.
Most bank FDs add interest every quarter (cumulative). Choose Payout if you want regular interest instead.
FD Calculator shows how much your bank fixed deposit will be worth at maturity. It uses the standard compound-interest formula banks use for cumulative FDs, and simple interest for payout FDs and deposits shorter than six months.
For a cumulative FD, banks add interest every quarter: Maturity = P × (1 + r/4)^(4 × years). For payout FDs the interest is paid out, so it is simple interest on the deposit.
Yes. FD interest is added to your income and taxed at your slab rate. Banks deduct TDS when your FD interest in a year crosses ₹50,000 (₹1,00,000 for senior citizens).
It depends on your bank's rate card — banks often pay the highest rate for special tenures such as 444 days or 2–3 years. Enter each option here to compare the maturity value.
It is very close, but banks may round each quarter or count days slightly differently, so the final figure can differ by a few rupees.