Worked example
A ₹5,00,000 deposit at 7% for 5 years, compounded quarterly, gives ₹7,07,389 maturity and ₹2,07,389 interest after whole-rupee rounding. Absolute return is 41.48%.
← All calculatorsCalcMate
Deposit growth tool
FD Calculator
Estimate fixed deposit maturity value for different compounding frequencies.
Calculation result
Detailed estimate
Enter your details to see the estimate.
Frequently asked questions
What is fixed deposit?
FD interest compounds at the selected interval. Actual bank maturity can differ due to day-count conventions, TDS, tax and premature withdrawal.
Is this result guaranteed?
No. This is an educational estimate based on the values entered. Verify current product, tax, employment, or pension rules before making decisions.
Can I change the assumptions?
Yes. Every rate and time assumption shown in the form can be adjusted to compare scenarios.
Practical guidance
Use the FD Calculator with confidence
Estimate fixed deposit maturity, interest and absolute return using your deposit amount, annual rate, tenure and selected compounding frequency.
Assumptions and limits
No dates, day-count convention, tax deduction, premature withdrawal penalty or periodic interest payout is modeled. Fractional years are used directly in the exponent. Actual bank maturity depends on the deposit contract.
How to read the result
Absolute return measures the gain over the full tenure, not the annual interest rate. This is a cumulative deposit model: interest stays invested until maturity.
Inputs and units
Enter one deposit in rupees, the quoted nominal annual rate, tenure in years and yearly, half-yearly, quarterly or monthly compounding. The example rate is not a live bank offer.
Formula and variables
Maturity A = P × (1 + r / n)^(n × t). P is the deposit, r is annual percentage / 100, n is compounding periods per year and t is years. Interest = A − P.
Comparisons and common mistakes
RD models monthly deposits. Compound Interest adds a monthly contribution option. Comparing a cumulative FD with a payout deposit requires accounting for interest that is withdrawn instead of compounded.
Is this the amount the bank will credit after tax?
No. It is a gross mathematical maturity estimate. Check the bank confirmation, tax deductions and applicable withdrawal terms.
Guide checked
Read our calculation methodology Guide checked against the web calculator by an automated coding assistant. Independent professional review is not recorded.
Substantive guide update: .