Calculate recurring deposit maturity value, total investment, and interest earned from monthly deposits, annual interest rate, and deposit duration with an instant projection.
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Estimate your recurring deposit maturity value, total investment, and interest earned from monthly contributions.
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 the estimated maturity value and interest earned from recurring deposits using regular contributions. Enter the recurring deposit amount, annual interest rate, and tenure to understand how periodic savings may accumulate over time.
Unlike a fixed deposit, where a lump sum is generally invested upfront, an RD adds money periodically. Because each contribution can have a different interest-earning period, the timing of deposits is an important part of recurring-deposit calculations.
Estimate the projected amount accumulated at the end of the RD tenure.
Model a recurring contribution schedule over the selected period.
Understand the estimated interest generated by the recurring deposits.
Review total contributions and projected maturity together.
Compare different deposit amounts, rates, and tenures.
Use the calculator on phones, tablets, and desktop browsers.
Enter the recurring deposit amount.
Enter the applicable annual interest rate.
Enter the RD tenure.
Review the calculation methodology and assumptions.
Check total deposits, estimated interest, and maturity value.
An RD consists of multiple deposits made over time rather than a single principal invested on the first day. Each contribution therefore has a different period during which it can earn interest.
The exact maturity calculation depends on the contribution frequency, interest rate, deposit timing, compounding method, and financial institution's calculation conventions. This is why an RD should not simply be treated as a single lump-sum compound-interest calculation.
For a generic periodic-contribution future-value model with end-of-period contributions, the future value can be represented as:
FV = C × [((1 + i)^m − 1) / i]
This is a general periodic-contribution model. Actual bank RD calculations can use different timing, compounding, rounding, and product-specific conventions.
Suppose you contribute ₹5,000 every month toward an RD for three years. Your total contributions alone would be ₹1,80,000 before adding interest. The final maturity value will depend on the applicable interest rate, deposit timing, and the RD calculation method.
Suitable for modelling regular contributions from monthly or periodic income.
Suitable for modelling a lump sum invested upfront for a defined period.
Recurring deposits can be useful when savings are built gradually from regular income. Estimating the future maturity amount can help you determine whether a planned monthly contribution is aligned with a future financial goal.
Try different contribution amounts and tenures to understand how changes to your savings routine can affect the projected outcome.
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An RD calculator estimates the maturity value and interest earned from regular recurring-deposit contributions made over a selected tenure.
RD maturity depends on the regular deposit amount, applicable interest rate, tenure, deposit timing, compounding assumptions, and the calculation methodology used by the financial institution.
A fixed deposit generally starts with a lump-sum deposit, while a recurring deposit involves regular contributions, commonly monthly. The different contribution schedules result in different interest calculations.
Yes. Enter the regular contribution amount and the applicable tenure and interest assumptions to estimate the projected maturity value.
Yes. Each recurring contribution can have a different interest-earning period. Deposit timing is therefore an important part of RD calculations.
Generally yes. When the interest rate and tenure remain unchanged, increasing the regular contribution generally increases the total amount invested and projected maturity value.
A longer tenure generally provides more opportunities for regular contributions and interest accumulation, although the exact outcome depends on the product's terms and calculation method.
Yes. Compare different monthly deposits, interest rates, and tenures by running separate scenarios.
Yes. You can use it to estimate an Indian RD scenario when you know the applicable deposit amount, interest rate, tenure, and calculation assumptions. The bank's official maturity calculation should be treated as authoritative.
The maturity calculation estimates the deposit and interest outcome. It should not be interpreted as a personal tax calculation. Tax and TDS treatment depends on applicable Indian rules and individual circumstances.
Neither is universally better. FD is generally designed for an upfront lump-sum investment, while RD is designed for regular contributions. The appropriate choice depends on available funds, cash flow, goals, and product terms.
Yes. The calculator is free to use and does not require registration.
Yes. The responsive interface is designed to work on smartphones, tablets, laptops, and desktop browsers.
No. Results are estimates based on the assumptions entered. Actual maturity values depend on the financial institution's applicable rate, calculation method, deposit timing, rounding, and product conditions.
Results are estimates based on the entered contribution, rate, tenure, and calculation assumptions. Actual RD maturity amounts can differ because financial institutions may use different deposit timing, compounding, rounding, tax, and product-specific rules. Verify the final maturity amount with the relevant institution.