Fixed Deposit Calculator

Calculate Fixed Deposit returns, maturity amount, and interest earned with comprehensive analysis and comparison tools

✓ Maturity Calculator ✓ Interest Analysis ✓ Bank Comparison

Fixed Deposit Calculator

Deposit Details

Additional Options

FD Formula

Fixed Deposit maturity amount calculation using compound interest

Compound Interest Formula:

A = P(1 + r/n)^(nt)
Where: A = Maturity Amount, P = Principal, r = Rate, n = Compounding frequency, t = Time

Current FD Rates

SBI: 6.50% - 7.00%
HDFC Bank: 6.75% - 7.25%
ICICI Bank: 6.70% - 7.20%
Axis Bank: 6.75% - 7.30%
Kotak Bank: 6.60% - 7.10%

*Rates vary by tenure and amount

FD Types

Regular FD: Standard fixed deposit
Senior Citizen: Higher rates for 60+ age
Tax Saver: 5-year lock-in with tax benefits
Flexi FD: Partial withdrawal facility
Cumulative: Interest compounded
Non-Cumulative: Regular interest payouts

FD Investment Tips

Laddering: Invest in multiple FDs with different maturities
Rate Comparison: Compare rates across banks
Tenure Selection: Balance liquidity and returns
Tax Planning: Consider tax implications
Inflation Impact: Real returns after inflation

Quick Examples

₹1 Lakh for 2 Years
Regular FD @ 6.5%
₹5 Lakh for 3 Years
Senior Citizen FD @ 7.0%
₹2 Lakh for 5 Years
Tax Saver FD @ 6.8%
Advertisement

How to Use FD Calculator

  1. Enter the principal amount you want to invest
  2. Input the annual interest rate offered
  3. Select the tenure (duration) of investment
  4. Choose compounding frequency
  5. Select bank and FD type
  6. Add tax rate and inflation for real returns
  7. Review detailed analysis and comparison

FD vs Other Investments

Fixed Deposits

Safe, guaranteed returns with capital protection.

Mutual Funds

Higher potential returns but with market risk.

PPF/NSC

Tax benefits with longer lock-in periods.

Savings Account

High liquidity but lower returns.