Calculate fixed deposit maturity value and interest earned using your deposit amount, interest rate, duration, and compounding frequency with an instant growth projection.
Optimizing tool for speed and clarity
Estimate your FD maturity value and interest earned using your deposit amount, interest rate, duration, and compounding frequency.
Currency affects display only — no exchange-rate conversion is applied.
Note: Estimates only, based on standard interest formulas. Actual financial products may differ due to product terms, taxes, fees, or calculation methods. Confirm exact figures with your financial institution.
Calculate fixed deposit maturity value and estimated interest earned from a lump-sum investment. Enter your deposit amount, annual interest rate, tenure, and compounding assumption to estimate how much your FD may be worth at maturity.
This FD calculator is useful for comparing different deposit amounts, interest rates, and investment periods before making a fixed-deposit decision. Results are estimates and should be checked against the actual terms provided by your bank or financial institution.
Estimate the amount accumulated at the end of the selected fixed-deposit tenure.
See the estimated interest separately from the original deposit amount.
Model different deposit amounts, interest rates, tenures, and compounding assumptions.
See a year-by-year chart of how the deposit grows over the investment period.
Review the principal, projected interest, and maturity value together.
Calculate FD returns from phones, tablets, laptops, or desktop browsers.
Enter the lump-sum amount you want to model as a fixed deposit.
Enter the annual interest rate applicable to your FD scenario.
Enter the investment duration in years, up to 100.
Choose annual, semi-annual, quarterly, or monthly compounding to match your scenario.
Check the estimated maturity value, principal, and total interest earned.
This calculator is built for anyone weighing a lump-sum deposit against other savings options.
A commonly used compound-interest model for a fixed deposit is:
A = P(1 + r/n)^(nt)
A = maturity value
P = principal or deposit amount
r = annual interest rate expressed as a decimal
n = number of compounding periods per year
t = tenure in years
Actual bank FD calculations can use institution-specific conventions, compounding rules, payout structures, and rounding. Use the bank's official maturity amount for final investment decisions.
Suppose you deposit ₹1,00,000 at an annual rate of 7.5% for five years with quarterly compounding. Using A = P(1 + r/n)^(nt) with P = 1,00,000, r = 0.075, n = 4, and t = 5, the estimated maturity value works out to approximately ₹1,44,995 — around ₹44,995 in interest.
This is an illustrative mathematical example, not a guaranteed bank maturity amount. It matches the calculator's default values above, so you can verify it yourself.
| Factor | Fixed Deposit | Recurring Deposit |
|---|---|---|
| How money is invested | One lump sum, deposited upfront | Fixed amount deposited every month |
| Best suited for | A lump sum you already have | Building savings gradually from income |
| Interest calculation | Compound interest on the full principal | Annuity-style monthly compounding on deposits made so far |
| Typical use case | Parking a bonus, maturity payout, or savings windfall | Disciplined monthly saving toward a goal |
Depositing gradually instead of all at once? Or want to see interest without any compounding? Try our other savings calculators.
Explore other Atoolix calculators for investment, deposits, retirement, and financial planning.
An FD calculator estimates the maturity value and interest earned on a fixed deposit using the deposit amount, interest rate, tenure, and applicable compounding assumptions.
For a compound-interest-based FD calculation, maturity value can commonly be estimated using A = P(1 + r/n)^(nt), where P is the principal, r is the annual interest rate as a decimal, n is the number of compounding periods per year, and t is the tenure in years. Actual bank calculations can differ according to product terms.
For a standard compound-interest model, the interest earned is the maturity amount minus the principal. The maturity amount is commonly calculated using A = P(1 + r/n)^(nt).
You generally need the deposit amount, annual interest rate, investment tenure, and compounding frequency applicable to the FD.
Yes. For the same nominal annual rate and other assumptions, more frequent compounding generally results in a somewhat higher calculated maturity value.
Yes. Choose the compounding frequency that matches the financial product or scenario you want to estimate — annual, semi-annual, quarterly, or monthly.
The maturity value depends on the interest rate, tenure, and compounding method. Enter ₹1,00,000 together with the applicable rate and tenure to see the estimated maturity value.
A longer tenure generally gives interest more time to accumulate, but the final outcome depends on the interest rate, compounding method, and product terms.
Yes. You can use it to estimate an Indian FD scenario by entering the applicable deposit amount, rate, tenure, and compounding assumption. Confirm the actual maturity value with your bank, since conventions and product terms can differ.
FD interest can be taxable under applicable Indian tax rules. Tax treatment, exemptions, TDS requirements, and rates depend on the investor's circumstances and current regulations. This calculator estimates returns and does not calculate personal tax liability.
Yes. Run the calculator with different deposit amounts, rates, tenures, or compounding assumptions and compare the projected maturity values and interest earned.
Yes. The calculator is free to use and does not require registration.
No. The calculator runs entirely in your browser — the numbers you enter are used only to compute the result on your device and are not uploaded or saved.
Yes, use the export button above the projection chart to generate a PDF report of your deposit, rate, tenure, and results.
Results are estimates based on the values entered and the selected calculation assumptions. Actual fixed-deposit returns may differ because banks and financial institutions can use different rates, compounding conventions, payout structures, rounding rules, taxes, fees, and product conditions. Confirm the applicable terms with the relevant institution before investing.