RupeePlan

Banking calculator

Fixed Deposit Calculator

Compare your deposit with its estimated maturity value using clear, configurable compounding assumptions.

Your inputs

Adjust any value. Results update instantly.

₹
%
years

Estimated results

Deposit amount

₹5,00,000

Interest earned

₹2,16,130

Maturity value

₹7,16,130

Your inputs stay on this device. Nothing is saved or sent.

Preparing chart…

Year-wise FD growth

Values are estimates rounded to the nearest rupee for display.

YearDepositInterest earnedMaturity value
1₹5,00,000₹37,248₹5,37,248
2₹5,00,000₹77,270₹5,77,270
3₹5,00,000₹1,20,274₹6,20,274
4₹5,00,000₹1,66,481₹6,66,481
5₹5,00,000₹2,16,130₹7,16,130

Methodology

How this calculator works

P is the deposit, r is the annual decimal interest rate, m is the number of times interest compounds per year, and t is tenure in years. This models a cumulative FD where interest stays invested.

Maturity = P × (1 + r ÷ m)ᵐᵗ

Assumptions

  • This models a cumulative fixed deposit.
  • The entered rate remains constant through maturity.
  • Compounding follows the selected frequency.
  • TDS, income tax, premature-withdrawal penalties and bank-specific day counts are excluded.

Questions, answered

Frequently asked questions

What is a cumulative FD?

In a cumulative FD, interest remains invested and is paid with principal at maturity.

Why can my bank quote differ?

Banks may use exact dates, product-specific compounding, senior-citizen rates, rounding, TDS and premature-withdrawal rules.

Is FD interest tax-free?

Generally no. Indian tax treatment and TDS depend on current law and your circumstances; consult an appropriate adviser.