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.
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Visual guide
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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.