FD Calculator
Estimate maturity value, interest earned, and yearly growth for your fixed deposit with fast, accurate calculations.
FD Calculator
What is a Fixed Deposit (FD)?
A fixed deposit is a term investment offered by banks and NBFCs where your money is locked for a fixed duration. In return, you earn a pre-decided interest rate. FD tenures usually range from a few days to multiple years.
How can an FD calculator help you?
- Calculates maturity amount instantly without manual effort.
- Shows interest earned separately from principal.
- Lets you compare simple vs compound FD outcomes.
- Helps compare tenure and rate options from different institutions.
FD maturity formulas
Simple interest FD:
M = P + (P × r × t / 100)
Compound interest FD:
M = P × (1 + r/n)^(n×t)
- `P` = principal amount
- `r` = annual interest rate
- `n` = compounding frequency per year
- `t` = tenure in years
- `M` = maturity amount
How to use this FD calculator
- Select FD type: simple or compound.
- Enter deposit amount, annual interest rate, and tenure.
- For compound FD, select compounding frequency.
- Review invested amount, total interest, and maturity value.
Advantages of using the FD calculator
- Free and reusable for unlimited scenarios.
- Useful for planning future cash needs and goals.
- Makes it easy to compare FD offers and tenure combinations.
Related FD topics
FAQs
How to use the FD Calculator calculator
Estimate fixed deposit maturity amount and interest earnings over a chosen tenure. Before calculating, enter accurate inputs: Enter deposit amount, annual interest rate, tenure, and FD type (simple or compound).
After you get the output, interpret it like this: Compare invested amount, interest earned, and final maturity value. Practical tip: Use compound mode with different frequencies to compare realistic bank FD outcomes.This calculator is for planning and scenario analysis, so use it with your broader risk management, position sizing, and market context before taking a real trade or investment decision.
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