FD Calculator 2025 – Calculate Fixed Deposit Maturity & Interest Instantly

Looking to invest in a Fixed Deposit? Use our FD Calculator to instantly calculate your total interest, maturity amount, and returns. Whether it’s a short-term deposit or a long-term investment, this tool helps you plan smarter.

Fixed Deposit (FD) Calculator

Calculate maturity amount and interest for your FD
Principal Investment: ₹0
Total Interest Earned: ₹0
Maturity Amount: ₹0
Monthly Payout (Approx.): ₹0
Quarterly Payout (Approx.): ₹0
Annual Payout (Approx.): ₹0

*Disclaimer: Calculations are based on the provided inputs and standard compounding methods. Actual bank terms, premature withdrawal penalties, and tax implications may vary. Interest income is taxable.

What is a Fixed Deposit (FD

A Fixed Deposit (FD) is a popular savings instrument offered by banks and NBFCs in India. You invest a lump sum for a fixed period, and it earns a guaranteed return at a fixed interest rate.

  • One-time deposit for a selected tenure
  • Guaranteed returns at a fixed interest rate
  • Zero risk – capital protected
  • Flexible tenures – from 7 days to 10 years
  • Offered by all major banks, NBFCs, and post office schemes

The interest earned on FD can be paid out monthly/quarterly or compounded and paid at maturity.

Why Use a Fixed Deposit Calculator?

Our fixed deposit calculator takes the guesswork out of investing. Instead of manually calculating compound interest, just enter a few values and get instant results!

With this FD calculator, you can:

  • Estimate your maturity amount
  • Know how much interest you’ll earn
  • Compare tenures and rates across banks
  • Plan your savings better

How FD Interest is Calculated

Most fixed deposits in India use compound interest, either quarterly or annually.

Compound Interest Formula: A = P (1 + r/n)^(nt)
Where:

  • A = Maturity amount
  • P = Principal amount
  • r = Annual interest rate (in decimal)
  • n = Compounding frequency per year (e.g., 4 for quarterly)
  • t = Tenure in years

The FD calculator applies this formula in the backend to compute your maturity amount and interest earned.

Benefits of Using Our FD Calculator

  • No signup or login needed
  • Free to use – unlimited calculations
  • Works for banks, post office, NBFCs
  • Easy to use on mobile and desktop
  • Helps in tax-saving FD planning
fd calculator

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Frequently Asked Questions

A FD calculator is a tool that helps you calculate the maturity amount and interest you’ll earn on your fixed deposit. It uses compound interest formulas to give accurate, instant results.

FD interest is usually compounded monthly, quarterly, or annually. The calculator applies this using standard formulas to compute your returns based on tenure and rate.

Most banks allow starting a fixed deposit with ₹1,000. Some may set higher minimums, depending on the bank or FD scheme.

Yes. Interest earned on FD is taxable under the income tax act. If it exceeds ₹40,000 in a year (₹50,000 for senior citizens), TDS may be deducted.

Yes, but a penalty is usually applied. The interest rate may also be lower than agreed upon at the time of deposit.

Yes. You can use the calculator to estimate interest on 5-year tax-saving FDs as well, though the interest will be taxable.

Top banks offering competitive FD rates include SBI, HDFC Bank, ICICI, Kotak, and Post Office schemes. Always compare before investing.

This calculator uses standard compound interest formulas and gives accurate maturity value as per the inputs. Always confirm exact rates with your bank before investing.