FD Calculator
Calculate fixed deposit maturity value and interest earned.
Calculated locally in your browser. Nothing you enter is uploaded or stored.
- Free — no signup, no account, no watermark
- Runs entirely in your browser — nothing is uploaded to a server
- Works on mobile, tablet and desktop
- Instant — results appear as soon as you enter your input
Why this is private
- Calculated locally in your browser. Nothing you enter is uploaded or stored.
- Open your browser's DevTools → Network tab while using this tool — you won't see a request carrying your input, because it never leaves your device.
- Nothing you enter is uploaded to a server or shared with us — the processing happens entirely on your device.
Overview
Calculates the maturity value of a Fixed Deposit, compounded quarterly (the common convention for bank FDs).
How to use it
- 1Enter the deposit amount, annual interest rate and tenure.
- 2View the maturity value and total interest earned.
Formula
FD maturity value
A = P × (1 + r/4)^(4×t)
Assumes quarterly compounding, the standard for most bank fixed deposits.
Tips
- This calculator provides an estimate for planning purposes only and is not financial advice.
- Some banks compound FDs monthly or annually instead of quarterly — check your bank's specific terms for exact figures.
Frequently asked questions
What people use it for
Compare FD offers from different banksEnter each bank's rate and tenure to see which pays more at maturity.
Plan a goal-based depositTry tenures and amounts to find what reaches a target sum.
Check a renewal quoteVerify the maturity figure your bank shows for a rolled-over FD.
Decide between FD and a debt fundCompare the FD maturity here against a lumpsum projection at a debt-fund rate.
Related guides
- Reduce EMI or reduce tenure after a part payment: which saves more?Both lower your total interest, but not by the same amount. Here's the trade-off, a worked example, and how to compare your own loan.
- How to calculate a home loan foreclosure amountOutstanding principal, accrued interest, charges and tax — what goes into a loan foreclosure (pre-closure) figure, and why the bank's number can differ.
- SIP vs. lumpsum: what the math actually saysSystematic investing and lump-sum investing solve different problems. Here's how to reason about which one fits your situation.
- How to calculate EMI (and why the formula looks so intimidating)A plain-English walkthrough of the EMI formula, what each variable means, and a worked example you can check by hand.
Related tools
All finance toolsCompound Interest CalculatorCalculate compound interest with configurable compounding frequency and optional regular contributions.SIP CalculatorProject the future value of monthly SIP investments, or compare against a lumpsum.Simple Interest CalculatorSolve for interest, principal, rate or time — in years, months or days.EMI CalculatorCalculate your monthly EMI, full amortization schedule, and part-payment or foreclosure savings.
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FD Calculator