FD Calculator
See exactly how much a bank Fixed Deposit will pay out at maturity, with support for monthly, quarterly, half-yearly, and annual compounding.
How Your Lump Sum Compounds
A single deposit, growing untouched — see the curve interest compounding puts on a one-time investment.
How FD Maturity is Calculated
FDs use the compound interest formula A = P × (1 + r/n)^(n×t) — your principal grows a little faster each time interest compounds, so the frequency your bank uses actually changes your payout.
FD Maturity Formula
A = P × (1 + R/N)N × T
Deposit (P)
₹1,00,000.00
Annual Rate (R)
7%
Compounding (N)
Quarterly
Tenure (T)
5 Years
Maturity Value (A)
₹1,41,477.82
Where: P is your deposit amount, R is the annual interest rate, N is the number of times interest compounds per year, and T is the tenure in years. The formula calculates the total maturity value after compound interest is applied over the deposit period.
FD Calculation Example
See how your deposit grows over time using the values you've entered.
Worked Example
Suppose you deposit ₹1,00,000.00 for 5 years at an annual interest rate of 7%, compounded quarterly.
Over this period, your deposit will earn a total interest of ₹41,477.82.
Based on these values, your FD will mature to approximately ₹1,41,477.82.
FD returns are guaranteed and unaffected by market conditions:
Your interest rate is locked in for the entire tenure, regardless of market or economic conditions.
A higher compounding frequency means interest is added to your principal more often, slightly boosting your final maturity value.
Longer tenures let compounding work for longer, increasing the total interest earned on your deposit.
Year-wise FD Growth
Track the running balance and interest credited each year until your FD matures.
Swipe horizontally to view the complete FD breakdown.
| Year | Deposit Amount | Interest Earned | Total Value |
|---|---|---|---|
| 1 | ₹1,00,000.00 | ₹7,185.90 | ₹1,07,185.90 |
| 2 | ₹1,00,000.00 | ₹14,888.18 | ₹1,14,888.18 |
| 3 | ₹1,00,000.00 | ₹23,143.93 | ₹1,23,143.93 |
| 4 | ₹1,00,000.00 | ₹31,992.94 | ₹1,31,992.94 |
| 5 | ₹1,00,000.00 | ₹41,477.82 | ₹1,41,477.82 |
Frequently Asked Questions
Common questions on FD tenure, taxation, premature withdrawal, and how banks compound your interest.
Disclaimer
Results are estimates for informational purposes only and may differ from actual values. Do not make financial, investment, tax, or legal decisions based solely on these results. Verify important calculations with official sources or a qualified professional. CalcMint is not liable for any loss or damage resulting from the use of this calculator.
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