Free Calculator

FD Calculator

Calculate your Fixed Deposit maturity amount and interest earned. Compare simple vs compound interest and see year-by-year growth.

Calculator Inputs

Compounding Frequency

Principal Amount

₹

₹10,000₹1,00,00,000

Interest RateMost bank FDs: 6.5–8%

% p.a.

4% p.a.10% p.a.

Tenure

1 Yr10 Yr

Year-by-Year Growth

Results

Maturity Amount

₹6,15,720

Principal

₹5,00,000

Interest Earned

₹1,15,720

Effective Yield

7.19% p.a.

Tenure

3 Years

Principal 81%Interest 19%

Year-by-Year Growth

Interest on FDs is fully taxable at your slab rate. If annual interest exceeds ₹40,000 (₹50,000 for senior citizens), TDS at 10% is deducted. Actual post-tax returns will be lower. Tax-saver FDs (5-year) qualify for 80C deduction under the old tax regime.