FD Calculator – Calculate Your Fixed Deposit Maturity & Returns Online
Fixed Deposits (FDs) are one of the most trusted investment options in India, offering guaranteed returns and financial security. Whether you are planning short-term savings or long-term wealth creation, our free FD Calculator online helps you instantly calculate your maturity amount and total interest earned.
What is an FD Calculator?
An FD Calculator is a simple online tool that shows you how much your fixed deposit will grow over time. Instead of doing manual calculations, this tool gives you quick, accurate results based on:
- Deposit amount (Principal)
- Tenure (Months/Years)
- Interest rate (Annual)
- Compounding frequency (Monthly, Quarterly, Half-yearly, Yearly)
Why Use Our FD Calculator?
Calculating FD returns manually can be confusing and time-consuming. Our online FD Calculator helps you:
- Save time – Get results in seconds
- Avoid errors – Uses accurate compound interest formula
- Compare returns – See which bank or tenure gives the best maturity amount
- Plan better – Choose the right FD investment based on your goals
How Does the FD Calculator Work?
The calculator uses the compound interest formula to calculate your maturity amount:
A = P × (1 + r/n)^(n × t)
Where:
- A = Maturity Amount
- P = Principal Amount
- r = Annual Interest Rate
- n = Number of compounding periods in a year
- t = Tenure (in years)
Your maturity amount includes both the principal invested and the interest earned over the chosen tenure.
Example FD Calculation
Let’s say you invest ₹2,00,000 for 2 years at an interest rate of 6.5% per annum.
Using the formula:
Maturity Amount = ₹2,27,527
This means your total interest earned will be ₹27,527 at the end of 2 years.
Benefits of Using an FD Calculator
- Quick and Easy – Instant results with one click
- Free to Use – No login required
- Accurate Results – Based on real bank formulas
- Better Planning – Helps you compare FD rates
FAQs on FD Calculator
1. Is the FD Calculator free to use?
Yes, our FD calculator is 100% free and available online.
2. Can I calculate FD returns for different banks?
Yes! Just change the interest rate in the calculator to match your bank’s FD rate.
3. Does the FD Calculator include tax deduction?
No, it shows the pre-tax maturity amount. TDS (if applicable) will be deducted by the bank.
