Monthly discipline matters
RD works best for savers who want a fixed monthly contribution habit without needing a lump sum upfront.
Recurring Deposit (RD) Calculator
Calculate RD returns & maturity value with compounding
Monthly deposit amount in rupees.
Annual interest rate (nominal).
Tenure in full years.
Result Summary
Deposited ₹0
Interest ₹0
Maturity ₹0
Deposits (0%)
Interest (0%)
Interest Earned
₹0
Maturity Amount
₹0
Enter a monthly deposit, rate, and time period to see your RD summary.
RD Growth Over Time
Track how your recurring deposits build over time and how interest expands the final maturity value.
Deposited amount
Total value
Enter deposit, rate, and time period to see RD growth over time.
Total growth
₹0 over 0 years
Growth insight
Growth pattern will appear here.
What is RD Calculator?
A Recurring Deposit (RD) calculator is an online tool that helps you calculate the maturity amount and interest earned on your RD investment based on monthly deposit amount, interest rate, and tenure.
How RD Calculator Works
The calculator uses your monthly deposit, annual interest rate, and RD tenure to estimate the final maturity value. It shows how repeated monthly contributions grow with compounding, helping you understand total deposit amount, interest earned, and expected maturity at the end of the term.
Formula
The RD calculator uses the standard recurring deposit formula:
M = R × [(1 + i)n - 1] / i
Where:
- R = Monthly deposit amount
- i = Interest rate per compounding period
- n = Total number of compounding periods
- M = Maturity amount
The calculator handles monthly, quarterly, or annual compounding internally while your deposit amount remains monthly.
Benefits
- Helps compare RD tenures and interest rates before investing.
- Shows expected maturity amount and interest earned instantly.
- Improves planning for disciplined, goal-based monthly savings.
- Helps in quick financial decision-making without manual calculations.
- Allows you to experiment with different interest rates and tenures to find the best RD option.
Quick Insights
Key things to compare before starting a recurring deposit.
Tenure impacts maturity
Longer tenure allows more installments to stay invested and can improve final maturity significantly.
Compare with FD
RD is ideal for monthly savings. FD may suit you better if you already have the full amount available today.
More Savings Calculators
Relevant savings calculators users often explore alongside recurring deposits.
Related Questions About RD
Common search queries and comparison topics users explore before opening a recurring deposit.
RD vs FD – which is better?
RD is better for disciplined monthly saving, while FD is better when you already have a lump sum ready to invest.
Read more →RD interest rates in India
RD interest rates in India usually range between 6% and 8% depending on bank, tenure, and special customer categories.
Read more →Is RD safe in 2026?
RD remains one of the safer savings products in 2026 when booked with regulated banks and chosen for stable returns.
Read more →Which bank gives highest RD interest?
The best RD rate often depends on tenure, bank category, and special schemes, so compare beyond the headline number.
Read more →RD vs SIP – where should you invest?
RD offers stable saving discipline, while SIP is generally better for long-term growth if you can accept market risk.
Read more →