FD Interest Calculator

Calculate fixed deposit maturity amount and interest with compounding options.

—Principal
—Interest earned
—Maturity value

Cumulative FDs compound interest; simple-interest (non-cumulative) FDs pay it out periodically. Interest is taxable as per your income slab; banks may deduct TDS.

Help Us Improve
4.9 (0)

How to use FD Interest Calculator

Three quick steps — no sign-up needed

  1. Step 1

    Enter deposit, rate, and tenure

    Add amount (₹), interest rate (% p.a.), and years.

  2. Step 2

    Choose compounding and type

    Select quarterly/monthly/half-yearly/yearly compounding and cumulative vs simple interest style as offered.

  3. Step 3

    Read maturity and interest

    See estimated maturity value and interest earned.

Related Financial tools

View all
Break-even Calculator Find how many units you must sell to cover fixed and variable costs. Cash Calculator Count cash by denomination and total the drawer instantly. Compound Interest Calculator Project savings growth with compound interest and optional monthly contributions. Credit Card Eligibility Calculator Get an indicative credit card eligibility and limit estimate from income and score inputs. Credit Card Validator Validate card number structure with the Luhn algorithm. Currency Converter Convert amounts between currencies with editable exchange rates. Discount Calculator Calculate sale price and savings from an original price and discount percent. HRA Calculator Estimate HRA exemption under Section 10(13A) style rules for metro and non-metro.

About FD Interest Calculator

FD Interest Calculator estimates fixed deposit maturity value and interest from deposit amount, rate, tenure, and compounding style. Savers searching "FD calculator", "FD maturity calculator", or "bank FD interest" want a clear projection before locking funds.

Enter deposit (₹), rate (% p.a.), tenure years, compounding frequency, and type (cumulative or simple interest as available). Bank payout conventions and TDS can change net proceeds.

Rates and compounding rules differ by bank and senior-citizen schemes. Confirm with the issuer quote. Calculator output is illustrative, not a bank certificate.

Benefits of FD Interest Calculator

Maturity and interest view See growth on the deposit.
Compounding choices Match common bank FD conventions.
Cumulative vs simple options Model different payout styles.
Quick bank quote comparison Test competing rates.

Frequently asked questions

What is cumulative FD?

Interest is reinvested and paid at maturity rather than paid out periodically.

Does the calculator deduct TDS?

Typically shows gross estimates - check tax rules for your situation.

Can I model months only?

Enter tenure in years as supported; convert months to fractional years if needed.

Are senior citizen rates separate?

Enter the higher rate your bank offers seniors when applicable.

Is this a bank offer?

No - educational calculation only.