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Fixed Deposit Calculator

Calculate your Fixed Deposit Maturity Value at the click of a button

How do you like to receive your FD returns?

Investment Amount


Investment Duration


Interest Rate


Compounding Period

Total Investment

Total Returns

Your total earning will be
₹ 3,00,000

After 1 Month, You will earn
₹ 1,38,232 with ₹ 38,282 as interest

Once for 1 Month, to recieve ₹ 5,000 monthly
you need to invest ₹ 9,23,077

Hey! Please select a valid input

Calculation of FD returns as Regular Income
Principal (Opening) Interest Principal (Closing)
1 ₹ 9,23,077 ₹ 5,000 ₹ 9,23,077
2 ₹ 9,23,077 ₹ 5,000 ₹ 9,23,077
3 ₹ 9,23,077 ₹ 5,000 ₹ 9,23,077
4 ₹ 9,23,077 ₹ 5,000 ₹ 9,23,077
5 ₹ 9,23,077 ₹ 5,000 ₹ 9,23,077
6 ₹ 9,23,077 ₹ 5,000 ₹ 9,23,077
7 ₹ 9,23,077 ₹ 5,000 ₹ 9,23,077
8 ₹ 9,23,077 ₹ 5,000 ₹ 9,23,077
9 ₹ 9,23,077 ₹ 5,000 ₹ 9,23,077
10 ₹ 9,23,077 ₹ 5,000 ₹ 9,23,077

Similar Bonds

Why Bond is better than FIxed Deposit?

Traditionally , investors have been parking their funds in Fixed Deposits . But Bonds provide better returns than Fixed Deposits .They are more liquid and can be bought and sold anytime before maturity . There are variety of options to choose from!

A Fixed Deposit Calculator is a tool designed specifically to find the estimated maturity amount that an investor investing a particular amount can expect when invested at the applicable rate of interest for a chosen tenure.

It uses the amount to be invested, rate of interest, and the tenure for the calculation of maturity. The maturity amount in a Fixed Deposit is the total amount earned along with the accumulated interest on the invested principal at the end of the FD period. FD Calculator also, help you find the amount to be invested to accomplish a financial goal.

How can an FD Calculator help you?

FD Calculator is a useful tool that can help you in many ways. It can help you plan your investment and achieve different financial objectives in your life.

Below are the advantages of using a FD Calculator:

  • Helps determine the interest amount that can be earned.
  • Useful in calculating the maturity amount.
  • No scope of errors.
  • Free of cost and can be used anytime.
  • Fast and easy to use.
  • Calculate the interest pay-out periodically.
  • Helps do better financial planning.

Formula to determine FD Maturity amount

A FD Calculator helps find the most accurate results. Now there is no need to worry about the tentative returns or maturity amount. Instead, go for the easy-to-use FD Calculator.

The financial institutions use Simple rate of interest and Compound rate of interest to calculate the maturity on a FD.

Using a FD Calculator

1. FD Calculation using Simple Interest

Use the below formula to calculate maturity amount using a FD Calculator

Maturity Amount = P (1+r/n) x (n*t)

P – principal invested in a FD

‘t’ – tenure, the number of years for which the principal is invested

‘r’ – rate of interest applicable on the chosen FD

‘n’ – quantity of compounding every year

For instance, if an amount of Rs. 100000 is invested for a period of 5 years at a Simple Rate of interest 5% per annum, the investor at the time of maturity will get –

SI – 100000*5*5/100

= Rs. 25,000

Maturity Amount = Rs. 1,25.000/- (P+I)

2. FD Calculation using Compound Interest

MA = P (1+r/n) ^ (n * t)

MA = Maturity Amount

P = Principal

t = number of years

r = rate of interest applicable of a FD

n = number of compounding in a year

How to use BondsIndia’s FD Calculator

BondsIndia’s FD Calculator is an easy-to-use tool. You do not need to be technically sound. Even a common user can use our FD Calculator.

Follow the below steps to calculate FD maturity:

  • Enter the investment amount (Fixed Deposit Amount).
  • Choose the investment duration.
  • Enter the rate of interest (applicable rate of Interest).
  • Choose the compounding period (Monthly, Quarterly, Half Yearly, or Yearly).

Frequently Asked Questions

A FD calculator is a specially designed tool used to calculate the amount an investor can expect at the time of maturity.

You do not need to have any technical knowledge to use a FD Calculator.

A FD Calculator uses the details including the principal, rate of interest, and tenure of the FD to find the maturity.

Yes, for all our valued clients, the FD Calculator at Bondsindia.com is free to use.

Yes, the interest earned on FD is taxable under the Section 80C of the Income Tax Act, 1961.

Banks for a period of 6 months or less generally calculate interest on FD using a simple rate of interest. The interest on FDs for more than 6 months is calculated at a compound rate of interest.

An investor can choose to invest for a minimum tenure of 7 days.

Introduction to Bonds
think beyond fixed deposists


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