FD Calculator – Fixed Deposit Maturity & Interest

Calculate fixed deposit maturity amount and interest with quarterly, monthly, half-yearly or yearly compounding.

Money decisions are easier when you can see the numbers first. FD Calculator works with deposit amount, interest rate, tenure, and interest compounding and presents a clear estimate you can compare across scenarios.

How to Use the FD Calculator

Enter the deposit amount, interest rate and tenure in years and months, choose how interest is compounded, and click Calculate FD Maturity.

How is FD maturity calculated?

Maturity = P × (1 + r/n)^(n×t), where P is the deposit, r the yearly rate, n the number of compounding periods per year and t the time in years.

Which compounding do banks use?

Most Indian banks compound FD interest quarterly, which is why quarterly is selected by default. Check your bank for its exact rule.

Is FD interest taxable?

Yes, FD interest is added to your income and taxed as per your slab. Banks may also deduct TDS above a limit set by the government.

Understanding FD Calculator

Calculate fixed deposit maturity amount and interest with quarterly, monthly, half-yearly or yearly compounding. FD Calculator turns loan, tax or investment formulas into a plain estimate, shows how a change in rate, amount or time affects the outcome, and helps you walk into a bank or advisor conversation with numbers ready.

How to use it

  1. Enter deposit amount, interest rate, and tenure.
  2. Adjust the options so they match what you need.
  3. Click “Calculate FD Maturity”.
  4. Study the result and test other scenarios.

Example situation

You want to know what a monthly commitment adds up to over time, so you run it through FD Calculator.

Read the result carefully

Real-world offers can include fees, taxes or rule changes that a simple calculation does not cover. This tool works inside your browser, so what you type or select here is not sent to our server for processing. Treat the figures as estimates. Rules, rates and charges differ between institutions, so confirm final numbers with the official source before acting.

Related tools for the same kind of planning: SIP Calculator, RD Calculator, and PPF Calculator.

Further reading from trusted sources

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Last updated: 08 Nov 2026 • 100% free • Mobile friendly

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