FD Calculator
Plan your fixed deposit smarter with instant maturity projections, compounding-based returns, and yearwise growth insights so you can choose the right FD tenure with confidence.
How to use it
Enter your one-time fixed deposit amount and annual interest rate offered by your bank or institution.
Select investment tenure in years and choose compounding frequency (yearly, half-yearly, quarterly, or monthly).
Optionally add tax on interest to estimate post-tax maturity for more realistic financial planning.
Click "Calculate FD" to view card-style outputs including maturity amount, total interest earned, and effective annual yield.
Review the yearwise FD growth breakdown sheet to track cumulative interest and maturity value over time.
Practical example
Input: Deposit 100000, Rate 7%, Tenure 3 years, Compounding Quarterly, Tax on Interest 10%
Output: Deposit principal, maturity amount, total interest earned, estimated tax, post-tax maturity, effective annual yield, and yearwise growth table.
Frequently asked questions
Does this include tax on FD interest? Yes. You can add an optional tax percentage to estimate post-tax maturity value.
Why does compounding frequency matter? More frequent compounding generally increases maturity value because interest gets reinvested more often.
Can I compare FD options across banks? Yes. Change interest rate, tenure, and compounding frequency to compare maturity outcomes quickly.
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