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₹1,41,478

FD Calculator

100% Free

Calculate Fixed Deposit maturity value and interest earned — quarterly, monthly, half-yearly, or yearly compounding.

Real-time
Client-Side
RBI-aligned
Currency:

1 Lakh

FD Maturity Breakdown

Maturity Amount
₹ 1,41,477.82
Principal 71%Interest 29%
Principal Deposited₹ 1,00,000.00
Total Interest Earned₹ 41,477.82
Maturity Amount₹ 1,41,477.82
💡 FD Insight

Compounded quarterly — your money grows 29% over 5 years.

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  title="FD Calculator">
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How to Use

  1. 1 Enter the deposit amount you want to invest
  2. 2 Set the annual interest rate offered by your bank
  3. 3 Choose the tenure in years (decimals allowed for partial years)
  4. 4 Pick compounding frequency (quarterly is the RBI default for Indian FDs)
  5. 5 Switch between Cumulative (re-invested) and Simple (interest paid out) modes
  6. 6 See maturity amount and total interest update instantly

Features

  • Quarterly, monthly, half-yearly, and yearly compounding options
  • Cumulative and simple-interest payout modes
  • Multi-currency support (INR, USD, EUR, GBP)
  • Visual principal-vs-interest split
  • Indian numbering with Lakh/Crore words
  • 100% client-side — no data leaves your browser

Why it Matters

Fixed Deposits are the most common safe-haven investment in India. Different banks compound at different intervals, and a wrong assumption can mis-state your maturity by thousands of rupees. This calculator uses the canonical formula M = P × (1 + r/n)^(nt) so you can compare offers across banks accurately.

★★★★★

Use Cases

Compare FD Offers

See which bank's compounding gives you the best returns

Plan Maturity Dates

Time your FD maturity with goals like a down payment

Senior Citizen FDs

Try the higher senior-citizen rate (usually +0.5%)

Frequently Asked Questions

Why divide by 4 for quarterly compounding?
Most Indian banks compound interest every quarter (4 times a year). The formula uses n=4, so the rate per period is annualRate/4 and the number of periods is 4 × years.
What's the difference between Cumulative and Simple modes?
Cumulative re-invests interest each period and pays everything at maturity. Simple pays interest periodically (monthly or quarterly) as income, and returns only the principal at maturity.
Is FD interest taxable?
Yes — interest earned is taxed as 'Income from Other Sources' at your slab rate. Banks also deduct TDS at 10% if interest exceeds ₹40,000/year (₹50,000 for senior citizens).
Can I break my FD early?
Yes, but most banks charge a 0.5–1% penalty on the interest, and the rate is recalculated as if you'd booked the FD for the actual period it was held.
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Want to understand the math?

Browse all guides →
How to Use FD Calculator
fd

How to Use FD Calculator — Complete Guide

Learn how to calculate Fixed Deposit maturity amount and interest earned using the free FD Calculator on Tools.Town — all compounding frequencies, TDS, senior citizen rates.

7 May 2026

5 min read

Compound Interest Explained
compound interest

Compound Interest Explained — How Your Money Grows on Itself

Compound interest is interest earned on both your principal and your previously earned interest. Understand the formula, the difference from simple interest, and why starting early makes such a dramatic difference.

1 May 2026

4 min read

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