FD Calculator
Calculate fixed deposit maturity amount with quarterly compounding.
Compounding Frequency
FD Calculator visual insights
Maturity value
₹7.05 L
Interest Earned
₹2.05 L
How to Use This Calculator
Enter Amount
Set your loan amount or investment using the slider or input field.
Set Rate & Tenure
Adjust the interest rate and time period to match your scenario.
Get Results
See your EMI, total interest, and full payment breakdown instantly.
Share & Plan
Share the result link or download the amortization schedule as PDF.
About FD Calculator
FD Calculator helps you plan savings, deposits, maturity value, emergency liquidity, and interest income using India-focused assumptions and INR formatting. Calculate fixed deposit maturity amount with quarterly compounding.
This tool is useful for Indian savers comparing bank deposits, recurring deposits, post-office deposits, and liquid savings needs. It is designed for quick planning before comparing bank offers, investment options, tax choices, or scheme rules with a qualified professional.
The calculations are tailored for users in India and use Indian number formatting, rupee values, and locally relevant finance terms wherever applicable.
Results are estimates for education and planning. Final decisions should use official documents, lender statements, scheme rules, tax notices, or advice from a qualified professional.
Frequently Asked Questions
How is FD interest calculated?
Most banks compound FD interest quarterly using A = P × (1 + r/n)^(n×t), where n = 4 for quarterly compounding. This calculator supports monthly, quarterly, half-yearly, and yearly compounding.
Is FD interest taxable?
Yes, FD interest is fully taxable as "income from other sources" at your slab rate. TDS is deducted if bank/post-office deposit interest exceeds ₹50,000/year (₹1,00,000 for senior citizens).
What is the difference between FD and tax-saver FD?
Tax-saver FD has a mandatory 5-year lock-in and qualifies for ₹1.5L deduction under Section 80C. Regular FD has no lock-in but no tax benefit on the principal.
Related Calculators
Methodology & Formulas
All formulas used here comply with RBI guidelines and standard Indian financial conventions. Calculators are updated for FY 2026–27.
Last updated: April 2026