FD Calculator
A fixed deposit locks a lumpsum for a tenure at a contracted rate. The calculator compounds at the frequency you pick (Indian banks usually quote quarterly compounding).
Calculator Universe is published by SmartAI Labs. The panel above is the interactive FD Calculator; the rest of this page is ordinary HTML so you can read how the tool works without waiting for the app to boot.
How the FD Calculator works
A fixed deposit locks a lumpsum for a tenure at a contracted rate. The calculator compounds at the frequency you pick (Indian banks usually quote quarterly compounding).
Formula / method. M = P × (1 + r/m)^(m·t). Interest = M − P. TDS may apply above the bank’s threshold.
When to use it. Use it to compare tenures and senior-citizen rate add-ons. Premature withdrawal penalties are not applied unless you lower r yourself.
How to run a comparison
- Open FD Calculator from Home search, the Finance Studio hub, or this URL.
- Copy amounts, rates or dates from a document you already have — not a round marketing figure.
- Read the headline result and any breakdown (schedule, slabs, or intermediate rows).
- Change one input at a time so you can see what actually moves the answer.
- Cross-check with a related calculator below, then confirm statutory rates before you act.
Nothing you type is uploaded for server-side processing. Save or screenshot an output if you need it later; we do not keep a server-side history.
Notes and assumptions
Rate is held to maturity. Tax is not auto-deducted. Cumulative versus payout FDs differ; this tool is the cumulative maturity.
Results are estimates for education and planning only. They are not financial, tax, medical, or legal advice. Slabs, scheme rates and product terms change; verify against official notifications or a qualified professional before acting.
Related calculators in Finance Studio
- RD Calculator — Recurring Deposit maturity with quarterly compounding.
- PPF Calculator — Public Provident Fund 15-year tax-free wealth calculator.
- EPF Calculator — Employee Provident Fund maturity corpus with 8.25% interest.
- SSY Calculator — Sukanya Samriddhi Yojana savings for girl child.
- NPS Calculator — National Pension System retirement pension & lump sum estimator.
- APY Calculator — Atal Pension Yojana monthly contribution for target pension.
Browse the full Finance Studio hub or return to the Calculator Universe home catalog for every tool.
About this page. The app panel is the interactive calculator; this HTML section is the publisher content for readers and ad-quality review. Privacy Policy · Terms & Disclaimer · About