Fixed Deposit Calculator
Quickly estimate the maturity value and interest of your bank fixed deposits.
Fast. Local. Effortless.
Manage your sensitive files with zero uploads. Everything happens directly in your browser.
Deposit Amount
Enter the amount you wish to deposit into the fixed deposit scheme.
Interest Rate
Enter the annual interest rate offered by the bank or financial institution.
Tenure
Specify the duration of the deposit in years or months.
Specialized Workflows & Use Cases
Tailored browser-based workflows designed for specific industry needs and compliance standards.
Online FD Calculator for Lawyers
FD Calculator for Lawyers - private & secure online processing in your browser. Zero server uploads, no limits.
100 Percent Local FD Calculator for Lawyers
FD Calculator for Lawyers - private & secure 100 percent local processing in your browser. Zero server uploads, no limits.
Browser Based FD Calculator for Lawyers
FD Calculator for Lawyers - private & secure browser based processing in your browser. Zero server uploads, no limits.
No Server Upload FD Calculator for Lawyers
FD Calculator for Lawyers - private & secure no server upload processing in your browser. Zero server uploads, no limits.
Secure FD Calculator for Lawyers
FD Calculator for Lawyers - private & secure secure processing in your browser. Zero server uploads, no limits.
Online FD Calculator for Accountants
FD Calculator for Accountants - private & secure online processing in your browser. Zero server uploads, no limits.
100 Percent Local FD Calculator for Accountants
FD Calculator for Accountants - private & secure 100 percent local processing in your browser. Zero server uploads, no limits.
Browser Based FD Calculator for Accountants
FD Calculator for Accountants - private & secure browser based processing in your browser. Zero server uploads, no limits.
Fixed Returns
Safe Planning
Privacy Guaranteed
Frequently Asked Questions
Everything you need to know about our private, browser-based file tools.
Still have questions? Contact us or check our How it Works page.
What Is an FD Calculator?
A Fixed Deposit (FD) calculator computes the maturity amount and interest earned on a lump-sum deposit placed with a bank for a fixed tenure at a guaranteed interest rate. FDs are one of the most popular savings instruments in India — they offer capital protection, guaranteed returns, and are insured up to ₹5 lakhs by the DICGC.
FD Maturity Calculation
For cumulative FDs (where interest is compounded and paid at maturity): M = P × (1 + r/n)^(n×t). For non-cumulative FDs (where interest is paid out periodically): Simple interest = P × r × t per period.
Current FD rates (2025) range from 5.5% to 9.5% p.a. depending on the bank, tenure, and depositor category (senior citizens typically earn 0.25–0.50% extra).
How to Use
- Enter your deposit amount (principal).
- Enter the annual interest rate offered by your bank.
- Select tenure in years and months.
- Choose compounding frequency (quarterly is standard for most Indian banks).
- Read the maturity amount and total interest earned.
Tax Consideration
FD interest is fully taxable as "Income from Other Sources" at your applicable income tax slab. TDS is deducted at 10% if annual interest exceeds ₹40,000 (₹50,000 for senior citizens). Plan post-tax returns accordingly.
Related Tools
Compare FD returns with RD, PPF, and SIP to optimize your savings mix.