Finance / India
FD Calculator: Estimate in Rupees
Estimate FD maturity with quarterly, monthly, half-yearly or annual compounding, or simple interest payout.
FD Calculator: Estimate in Rupees: Uses a one-time principal, nominal annual rate and tenure in months. Quarterly compounding is the default. A simple-payout option returns the principal at maturity and shows interest separately without reinvestment. The final partial year appears in the table. Results exclude TDS, tax and bank-specific broken-period rules. Runs 100% locally in your browser with zero server file uploads.
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- Business & admin tools
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- In your browser
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- Free · no sign-up
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- Ready to use
Runs entirely in your browser
Results are estimates. Rates, payment dates, fees and taxes can change the actual amount.
A = P(1 + r/m)^(mt). Fractional compounding periods use the same power formula; a bank may use a different broken-period rule. Simple payout interest is not reinvested and is shown separately.
Banks may deduct TDS from interest under applicable rules. TDS is a withholding, not necessarily your final tax. This estimate does not compute TDS or income tax.
Deposit value
Years 1 to 5Chart scale: ₹0 to ₹1,41,477.82
| Year | Deposits | Withdrawals | Interest / growth | Deposit value |
|---|---|---|---|---|
| 1 | ₹1,00,000₹1 lakh | ₹0 | ₹7,185.9 | ₹1,07,185.9₹1.07 lakh |
| 2 | ₹0 | ₹0 | ₹7,702.28 | ₹1,14,888.18₹1.15 lakh |
| 3 | ₹0 | ₹0 | ₹8,255.75 | ₹1,23,143.93₹1.23 lakh |
| 4 | ₹0 | ₹0 | ₹8,849 | ₹1,31,992.94₹1.32 lakh |
| 5 | ₹0 | ₹0 | ₹9,484.88 | ₹1,41,477.82₹1.41 lakh |
Interest formula
OpenStax, Methods of Savings: https://openstax.org/books/contemporary-mathematics/pages/6-6-methods-of-savings
Compound maturity = P(1+r/m)^(mt). Simple interest = P × r × t, paid separately. Fractional periods use the same power formula.
Bank deposit conditions
Reserve Bank of India, deposit interest FAQ: https://www.rbi.org.in/scripts/FAQView.aspx?Id=18
Quarterly accrual is the common planning default. Banks may apply different day counts, payout discounting, rounding or early-closure penalties.
How to use it
- Enter amounts and choose the calculation options shown.
- Adjust the rate and duration to match your assumptions.
- Read the estimate, year-by-year chart and table, then download the CSV.
Privacy & limitations
Calculations and CSV exports run in your browser. Your financial inputs are not uploaded.
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Frequently asked questions
What happens with simple payout?
Interest is not reinvested. The maturity principal stays unchanged and total interest paid out is shown separately.
Is TDS deducted here?
No. A bank may withhold TDS under applicable rules, but withholding is not necessarily the final tax liability. This page computes no tax.
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