FD Calculator
Estimate fixed deposit maturity amount, interest earned, and payout income using deposit amount, rate, tenure, and compounding frequency.
Tax year 2026 - Updated June 2026
FD inputs
Estimated maturity amount
₹7,07,389
₹5,00,000 at 7% for 5 years 0 months.
Interest earned
₹2,07,389
Maturity amount
₹7,07,389
Principal: 71%Interest: 29%
| Deposit amount | ₹5,00,000 |
| Effective annual rate | 7.00% |
| Interest earned | ₹2,07,389 |
| Maturity amount | ₹7,07,389 |
FD growth chart
Year-by-year estimate of principal versus total receivable.
Total receivablePrincipalFinal: ₹7,07,389
Formula used
- Effective annual rate = base FD rate + senior citizen extra rate, if selected.
- Cumulative FD maturity = principal x (1 + annual rate / compounding periods per year) ^ total periods.
- Cumulative FD interest = maturity amount - principal.
- Monthly or quarterly payout estimate = principal x annual rate / payout periods per year.
- Payout FD total receivable = principal returned at maturity + total estimated interest payouts.
- Tax, TDS, premature withdrawal penalty, bank-specific day-count rules, and reinvestment of payout interest are not included.
Quick answers
FD Calculator FAQs
How is FD maturity amount calculated?
In cumulative mode, the calculator compounds deposit interest using the selected compounding frequency and tenure to estimate maturity amount.
What is the difference between cumulative FD and payout FD?
A cumulative FD reinvests interest until maturity. A payout FD estimates regular monthly or quarterly interest payout instead of reinvesting it.
Does FD calculator include TDS or income tax?
No. It estimates interest and maturity before personal tax. FD interest is generally taxable, and TDS or final tax can vary by user.
Can senior citizen extra rate be added?
Yes. If the calculator includes a senior citizen extra rate field, it adds that extra rate to the base FD rate for the estimate.
Is FD return guaranteed?
A booked FD usually has a fixed rate for that deposit, subject to bank and scheme terms. Future FD rates, premature withdrawal rules, and tax treatment can change.
Keep planning
Related tools and guides
Continue with calculators, hubs, and guides that match this page.
Hub
SIP Calculators Hub
Compare fixed deposit estimates with SIP-based investment paths.
Calculator
PPF vs NPS vs FD Calculator
Compare FD ladder estimates with PPF and NPS side by side.
Calculator
Compounding Calculator
Compare FD-style compounding with custom frequency options.
Calculator
Simple Interest Calculator
Compare payout-style interest with a simple interest estimate.
Guide
FD Calculator Guide
Understand FD maturity, payout, and compounding assumptions.
Guide
PPF vs NPS vs FD
Compare lock-in, risk, tax treatment, and retirement use cases.
Guide
SWP vs FD Retirement Income
Compare FD payouts with SWP withdrawals for retirement income.
Visual guide
Related Web Stories
Assumptions
- Designed for India-style fixed deposit estimates using INR amounts.
- Cumulative FD mode compounds interest using the selected frequency.
- Monthly and quarterly payout modes estimate periodic interest without reinvesting payouts.
- Does not include TDS, income tax, premature withdrawal penalty, bank-specific day-count rules, or special deposit schemes.
Disclaimer
The information and calculations provided on this website are for general informational and educational purposes only. Results are estimates based on publicly available tax rules and assumptions and may not reflect your actual tax liability or take-home pay. This content does not constitute tax, legal, accounting, or financial advice. Tax laws and regulations change frequently and vary based on individual circumstances. Consult a qualified tax professional, accountant, or financial advisor before making any financial decisions.
This website is not affiliated with the IRS, HMRC, Income Tax Department of India, or any government agency.