Calculate fixed deposit maturity value and interest earned using your deposit amount, interest rate, duration, and compounding frequency with an instant growth projection.
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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.
Use this fixed deposit calculator to estimate the maturity amount and interest earned from a lump-sum fixed deposit. Enter the principal, interest rate, and investment tenure to understand the projected value of your deposit.
The calculator is useful when comparing fixed-deposit scenarios before investing. It can help answer questions such as how much a deposit may grow, how much interest may be earned, and how changing the tenure or rate affects the estimated maturity amount.
Estimate the total amount available at the end of the selected tenure.
See the projected interest separately from the original principal.
Use standard mathematical interest calculations based on the selected assumptions.
Compare different investment durations and their projected outcomes.
Model different rates and deposit amounts before investing.
Use the calculator comfortably on mobile, tablet, or desktop.
Enter the amount you plan to deposit.
Enter the annual fixed-deposit interest rate.
Enter the investment tenure.
Select the applicable compounding assumption if available.
Review the estimated maturity amount and interest earned.
A common compound-interest model for estimating FD maturity is:
A = P(1 + r/n)^(nt)
For example, suppose ₹1,00,000 is invested for five years at 8% annually with quarterly compounding. Under the standard compound-interest model, the estimated maturity value is about ₹1,48,859 and the estimated interest is about ₹48,859.
Actual bank maturity values can differ because banks may use different conventions, rounding, payout structures, and product terms.
A calculator cannot independently determine bank-specific rates, eligibility, promotional offers, premature-withdrawal penalties, taxation, or account-specific conditions. It should therefore be used as a planning and estimation tool rather than as a replacement for the official terms supplied by a financial institution.
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A fixed deposit calculator estimates the maturity amount and interest earned when a lump sum is invested for a specified tenure at an assumed interest rate.
Enter the deposit amount, annual interest rate, tenure, and applicable compounding assumptions. The calculator applies the selected methodology and displays the estimated maturity value and interest.
A commonly used compound-interest formula is A = P(1 + r/n)^(nt). P is the principal, r is the annual rate as a decimal, n is the number of compounding periods per year, and t is the tenure in years.
The FD amount is the original principal deposited. The maturity amount is the amount accumulated at the end of the tenure, including the applicable interest.
The calculation depends on the product and institution. A common model uses compound interest with a specified compounding frequency, but banks may apply their own calculation and rounding conventions.
Yes. Enter the deposit amount, applicable annual interest rate, one-year tenure, and the relevant calculation assumptions.
Yes. Enter five years as the tenure and provide the applicable interest rate and deposit amount.
Yes. When other variables remain unchanged, a longer period generally provides more time for interest to accumulate.
Yes. Run separate scenarios with different interest rates and compare the resulting maturity values and interest earned.
Yes, if you know the applicable rate offered for the relevant senior-citizen FD product. Enter that rate into the calculator. The calculator does not independently determine eligibility for a bank's senior-citizen rate.
No personal tax conclusion should be inferred from the maturity calculation. FD interest can have tax and TDS implications under applicable Indian rules, which depend on individual circumstances and current regulations.
No. Calculator results are estimates based on the assumptions entered. The financial institution's official product terms and maturity statement should be treated as authoritative.
Yes. It is available online without a registration requirement.
Yes. It is designed for modern mobile and desktop browsers.
This calculator provides estimates based on the information supplied. Actual fixed-deposit returns depend on the financial institution's applicable rates, calculation methodology, tenure, compounding, taxes, fees, and product conditions. Verify the final maturity amount with the relevant institution.