FD Calculator
Calculate your Fixed Deposit maturity amount, interest earned, and compare investment options.
Select FD Type
Maturity Amount
₹0
Interest Earned
₹0
Total Investment
₹0
FD Summary
FD Growth Over Time
Effective Annual Yield
0%
Monthly Interest
₹0
Quarterly Interest
₹0
Interest Payout Schedule
| Period | Principal | Interest | Cumulative Interest | Total Value |
|---|
Investment Comparison
Savings Account
₹0
@3.5% p.a. Simple
Recurring Deposit
₹0
@6% p.a. Quarterly
Your FD Returns
₹0
@0% p.a.
Extra Earnings
₹0
vs Savings Account
Yearly Breakdown
| Year | Principal | Interest | Total Value | Growth |
|---|
TDS Calculation
Features of Fixed Deposits
Capital Safety
Your principal amount is fully protected
Guaranteed Returns
Fixed interest rate locked at investment
Flexible Tenure
7 days to 10 years tenure options
Liquidity Options
Premature withdrawal with penalty
Interest Payout Options
Monthly
Interest paid every month to your account
Quarterly
Interest paid every 3 months (Most Common)
Half-yearly
Interest paid every 6 months
Yearly
Interest paid once a year
Cumulative
Interest reinvested, paid at maturity (Highest Returns)
At Maturity
Principal + Interest paid together at maturity
Note: Cumulative FDs give higher returns due to compounding effect.
Smart FD Investment Strategies
FD Laddering
Create multiple FDs with different maturity dates for regular liquidity
Compare Banks
Small finance banks often offer 0.5-1% higher rates than large banks
Tenure Selection
Longer tenure FDs usually have higher interest rates
Tax Planning
Consider 5-year tax saver FDs for Section 80C benefits
