FD Calculator
Estimate a fixed deposit’s maturity amount and interest from its principal, rate, term, and compounding frequency.
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This estimate does not include tax deducted at source, premature-withdrawal penalties, or institution-specific day-count rules.
Your result
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Worked example
Sample inputs
- Currency
- Indian rupee (INR)
- Deposit amount
- 100000
- Annual interest rate (%)
- 7
- Term (years)
- 3
- Compounding frequency
- Quarterly
Estimated maturity amount: ₹1,23,143.93
- Principal: ₹1,00,000.00
- Estimated interest: ₹23,143.93
- Compounding periods per year: 4
How this fd calculator works
The maturity value uses compound interest: principal × (1 + annual rate ÷ periods per year) raised to the total number of compounding periods.
This estimate does not include tax deducted at source, premature-withdrawal penalties, or institution-specific day-count rules.
Frequently asked questions
Is tax on FD interest included?
No. Interest taxation depends on your circumstances and applicable rules; this shows the pre-tax estimate.
Which compounding frequency should I choose?
Use the frequency in the deposit terms. Quarterly is preselected as a common illustration, not a claim about a specific bank.