FD Calculator
Calculate maturity amount and interest earned on a Fixed Deposit with compound interest.
Interest Type
Compounding Frequency
What is an FD Calculator
A Fixed Deposit Calculator estimates the maturity amount and interest earned on a lump-sum deposit held for a fixed tenure at a fixed rate, using compound interest.
FD Maturity Formula
Maturity Amount = P × (1 + r/n)^(n × t)
r = annual interest rate (decimal)
n = compounding periods per year · t = years
FD Calculation Example
Capital protection with assured returns
Predictable, fixed interest income
Flexible tenures to match goals
Low-risk savings instrument
Guaranteed returns on deposit
Choice of compounding frequency
Suitable for conservative investors
Easy to plan around fixed maturity
FD returns may be lower than inflation over long periods, and premature withdrawal can attract penalties. Interest earned is typically taxable.
Frequently Asked Questions
A Fixed Deposit (FD) is an investment where a lump sum is deposited for a fixed tenure at a fixed interest rate, earning compound interest.
Maturity uses compound interest: P × (1 + r/n)^(n×t), where n is the compounding frequency per year.
Yes. More frequent compounding (e.g. quarterly vs yearly) results in slightly higher maturity value.
In India, FD interest is generally taxable as per your income slab, and TDS may apply above certain limits.