Cumulative vs Payout
Cumulative FDs reinvest interest and usually maximize maturity value. Non-cumulative FDs suit regular income needs.
Fixed Deposit (FD) Calculator
Calculate FD maturity amount & interest instantly
Enter principal amount in rupees. Use the slider or type the amount.
Annual nominal interest rate in percent. Quarterly compounding is used.
Tenure in full years.
Choose cumulative or payout fixed deposit interest type.
Payout frequency is available only for non-cumulative fixed deposits.
Result Summary
Principal ₹0
Interest ₹0
Maturity ₹0
Principal (0%)
Interest (0%)
Interest Earned
₹0
Maturity Amount
₹0
Enter a principal amount, rate, and tenure to see your FD summary.
FD Growth Over Time
See how your fixed deposit value builds year by year against your original investment.
Investment
Total value
Enter amount, rate, and time period to see growth over time.
Total growth
₹0 over 0 years
Compounding insight
Growth pattern will appear here.
What is FD Calculator?
A Fixed Deposit (FD) calculator is an online tool that helps you calculate the maturity amount and interest earned on your FD investment based on deposit amount, interest rate, and tenure.
How FD Calculator Works
The calculator applies the entered principal, annual interest rate, and deposit tenure to estimate final value. For cumulative FDs, it shows maturity amount and interest earned. For payout FDs, it also reflects payout frequency and total interest received.
Formula
The FD calculator uses the standard compound interest formula:
A = P (1 + r/n)nt
Where:
- P = Principal amount
- r = Annual interest rate
- n = Number of times interest is compounded per year
- t = Time period in years
- A = Maturity amount
Benefits
- Helps compare FD tenures and rates before investing.
- Shows expected interest earned and maturity amount instantly.
- Improves planning for safe, goal-based savings decisions.
- Helps in quick financial decision-making without manual calculations.
- Allows you to experiment with different interest rates and tenures to find the best FD option.
Quick Insights
Key things to compare before booking a fixed deposit.
Tenure changes returns
Longer tenure increases compounding impact, but always compare rates across 1, 3, and 5-year deposit options.
Watch payout frequency
Monthly or quarterly payouts improve cash flow planning, but reinvestment benefits are lower than cumulative deposits.
More Savings Calculators
Relevant savings calculators users often explore alongside fixed deposits.
Related Questions About FD
Common search queries and comparison topics users explore before investing in fixed deposits.
FD vs RD – which is better?
FD is better when you already have a lump sum and want fixed returns for a selected tenure. RD works better for monthly saving discipline because you invest gradually instead of depositing once.
Read more →FD interest rates in India
FD interest rates in India typically range between 6% and 8% depending on tenure and bank. Senior citizens often receive about 0.5% extra, which can materially improve final returns.
Read more →Is FD safe in 2026?
FDs remain one of the safer options in 2026 when booked with regulated banks. Investors should still check bank strength, deposit insurance coverage, and whether fixed returns beat their inflation needs.
Read more →Which bank gives highest FD interest?
The highest FD rates are often offered by small finance banks or special tenure schemes. The best bank changes often, so compare rate, safety, premature withdrawal rules, and senior citizen benefits together.
Read more →FD vs SIP – where should you invest?
FD fits investors who want capital stability and predictable maturity value. SIP is usually better for long-term growth if you can handle market volatility and invest consistently over many years.
Read more →