FD Calculator

Advanced FD Calculator

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Advanced FD Calculator

Calculate your fixed deposit returns with precision

Advanced FD Calculator

Our comprehensive FD calculator helps you estimate returns from your fixed deposit investments with various compounding options. Calculate maturity amount considering interest rates, tenure, compounding frequency, and tax implications. Perfect for planning your fixed income investments.

How to use this tool:

  1. Click "Get Started" to begin
  2. Enter your deposit amount
  3. Set your expected annual interest rate
  4. Choose your deposit tenure
  5. Select interest compounding frequency
  6. Optionally enable TDS and inflation adjustment
  7. View detailed results and growth chart
  8. Download your results as PDF, Excel or Image

Minimum Rs.1,000, maximum Rs.2 crore

Typical FD rates range from 5% to 8%

Years Months Days

Maximum tenure is 25 years (9125 days)

More frequent compounding yields higher returns

Check if you're a senior citizen

Higher interest rates may apply for senior citizens

Include TDS deduction in calculations

TDS is deducted if interest exceeds Rs.40,000 (Rs.50,000 for seniors)

Include inflation adjustment in calculations

Shows real value of returns after inflation

Maturity Value
Rs.0
Total value at maturity
Real Value Today
Rs.0
Current purchasing power
Estimated Maturity Amount
Rs.0
Total value at the end of tenure
Total Interest Earned
Gross Interest
Rs.0
Before TDS
Net Interest
Rs.0
After TDS
Effective Annual Rate
0%
Actual yield after compounding
FD Summary Show Details
Deposit Amount Rs.0
Interest Rate 0%
Tenure 0 months
Compounding Monthly
Senior Citizen No
TDS Deduction Not applied
Inflation Rate Not applied
Maturity Value Rs.0
Detailed FD Summary Hide Details
Period Principal Interest Cumulative Interest Balance
Download Results
Save your FD calculation results for future reference
Advanced FD Calculator • Generated on July 7, 2025
00:00:00 Ready to calculate FD returns

Key Features of FD Calculator

Precision Calculations:

  • Compound interest (monthly/quarterly/annually)
  • Simple interest (at maturity) options

Comprehensive Factors:

  • TDS deduction calculations
  • Inflation-adjusted real returns
  • Senior citizen bonus rates

Visual Reporting:

  • Growth charts and graphs
  • Year-by-year breakdowns
  • Downloadable reports (PDF/Excel)

Comparison Tools:

  • Compare different tenures
  • Compare different banks' rates
  • Compare compounding frequencies

Fixed Deposit Investment Process - Step by Step Guide

  1. Choose Your Bank/NBFC: Compare interest rates across institutions
  2. Select Tenure: Short-term (1-12 months) or long-term (1-10 years)
  3. Decide Amount: Minimum typically ₹1,000 (varies by bank)
  4. Choose Interest Payout:
    • Monthly (for regular income)
    • Quarterly/Annually (for compounding)
    • Cumulative (at maturity)
  5. Submit KYC Documents: PAN, Aadhaar, address proof
  6. Select Nominee: Crucial for account security
  7. Fund Transfer: Through cheque/online transfer
  8. Receive Confirmation: FD receipt with all terms

Frequently Asked Question(FAQs)

Can I withdraw FD before maturity?

Yes, but with 0.5%-1% penalty and reduced interest

How is FD interest calculated?

Either simple (Interest = P×R×T) or compound (A = P(1+r/n)^(nt))

Which FD gives highest returns?

Small Finance Banks (up to 8.5%) > NBFCs (8%) > Private Banks (7%) > PSU Banks (6.5%)

Are corporate FDs safe?

Higher risk than bank FDs - check CRISIL/ICRA ratings first

Can NRI invest in FDs?

Yes, through NRO/NRE accounts with different tax treatments

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