FD Calculator
Free FD calculator — estimate maturity amount, total interest earned, and year-wise growth on your Fixed Deposit investment.
FD Calculator — Calculate Fixed Deposit Maturity Amount
Fixed deposits are one of India's most popular ways to save, with a fixed rate from banks and post offices. Before you lock your money away, you should know exactly what you'll receive at maturity. Our FD Calculator gives you the precise maturity amount and total interest earned for any deposit.
Enter the principal, interest rate, tenure, and compounding frequency. Get the maturity value, total interest, and a year-wise growth table. It works for any cumulative FD, where interest is compounded and paid out at maturity — just enter the rate and compounding your bank quotes. No signup, no cost.
How to Calculate FD Maturity
1. Enter Deposit Amount
Type the principal amount you want to invest in the FD — ₹10,000 or ₹10,00,000.
2. Interest Rate
Enter the rate offered by the bank. If you are a senior citizen, use the senior-citizen rate your bank quotes.
3. Tenure
Enter the tenure in years — one year or more, and part-years such as 2.5 work too. Different tenures often have different rates.
4. View Maturity
See maturity amount, total interest earned, and the year-on-year growth of your deposit.
FD Calculator Features
Compounding Options
Choose monthly, quarterly, half-yearly, or annual compounding to match your bank's exact scheme.
Year-Wise Growth
A table shows the opening balance, the interest earned and the closing balance for every year of the deposit.
Visual Breakdown
A chart shows how much of your maturity amount is your deposit and how much is interest.
Instant Recalculation
Change any input and the maturity amount, interest, chart and table update at once, so you can try one scenario after another.
Multiple Currencies
Show amounts with the rupee, US dollar, euro, pound or yen symbol, or the Australian, Canadian or Singapore dollar. Only the symbol changes; nothing is converted.
Free and Private
No signup, no tracking. Runs entirely in your browser.
How FD Maturity Is Calculated
The calculator uses the compound interest formula: A = P × (1 + r ÷ m)m × t, where P is the deposit, r is the annual rate as a decimal, m is how many times a year interest is compounded (1, 2, 4 or 12) and t is the tenure in years. Interest earned is A minus P. Each row of the year-wise table grows the balance by one year of the same compounding.
Worked example: ₹1,00,000 at 7% a year for 5 years, compounded quarterly (the calculator’s starting values), shown in rupees.
- m = 4, so interest is added every quarter at 7 ÷ 4 = 1.75%.
- Maturity amount = ₹1,41,478, of which ₹41,478 is interest.
- In year 1 the deposit earns ₹7,186; in year 5 it earns ₹9,485, because interest is now earned on earlier interest too.
Amounts are rounded to the nearest rupee on screen; the calculation itself is not rounded, so multiplying the rounded figures can differ by a few rupees.