FD Calculator
Calculate your Fixed Deposit returns and maturity amount with precision
Calculate Your FD Returns
Your FD Results
Enter your FD details and click “Calculate FD Returns” to see your results here.
What is a Fixed Deposit?
A Fixed Deposit (FD) is a financial instrument provided by banks and financial institutions that provides investors with a higher rate of interest than a regular savings account, until the given maturity date.
How FD Interest is Calculated?
FD interest is calculated using compound interest formula: A = P(1 + r/n)^(nt), where A is maturity amount, P is principal, r is annual interest rate, n is compounding frequency, and t is time period.
Benefits of Fixed Deposits
FDs offer guaranteed returns, capital protection, flexible tenure options, and are considered one of the safest investment options with minimal risk and steady income.
Tax Implications
Interest earned on FDs is taxable as per your income tax slab. TDS is deducted if annual interest exceeds ₹40,000 (₹50,000 for senior citizens). Plan your investments accordingly.
Important Disclaimer
This FD calculator is for informational and educational purposes only. The calculations provided are estimates based on the inputs you provide and standard compound interest formulas.
- Actual returns may vary based on the specific terms and conditions of your financial institution
- Interest rates are subject to change and may vary between banks and financial institutions
- Tax implications, including TDS (Tax Deducted at Source), are not considered in these calculations
- This tool does not constitute financial advice or investment recommendation
- We recommend consulting with a qualified financial advisor before making investment decisions
- Different banks may have different compounding frequencies and calculation methods
- Premature withdrawal penalties and other charges are not factored into these calculations
Always verify the actual terms, conditions, and interest rates with your chosen financial institution before making any investment decisions. The accuracy of calculations depends on the correctness of the input data provided.