Deposits & Savings calculator
FD Calculator
Enter your deposit, the interest rate offered and the tenure to estimate the maturity value of a cumulative fixed deposit.
Your details
Total investment
₹1,00,000
Interest earned
₹41,478
Maturity value
₹1,41,478
Breakup
- Principal₹1,00,000 (71%)
- Interest₹41,478 (29%)
Effective annual yield: 7.19%. Interest is taxable at your slab rate; TDS may apply.
Deposit value by year
Year-wise breakdown
| Year | Principal | Interest till date | Value |
|---|---|---|---|
| Yr 1 | ₹1,00,000 | ₹7,186 | ₹1,07,186 |
| Yr 2 | ₹1,00,000 | ₹14,888 | ₹1,14,888 |
| Yr 3 | ₹1,00,000 | ₹23,144 | ₹1,23,144 |
| Yr 4 | ₹1,00,000 | ₹31,993 | ₹1,31,993 |
| Yr 5 | ₹1,00,000 | ₹41,478 | ₹1,41,478 |
Formula used
- A = P × (1 + r ÷ n)^(n × t)
- P = principal, r = annual rate, n = compounding periods per year, t = years
- Simple interest option: A = P × (1 + r × t)
Assumptions
- Most Indian banks compound FD interest quarterly.
- TDS and income tax on interest are not deducted.
Scheme rates and rules as on: October–December 2026 quarter. You can change rates in the calculator.
Disclaimer
This calculator provides illustrative estimates only, based on the inputs and assumptions you enter. Results are not guaranteed, do not reflect the performance of any specific product, and do not consider taxes, charges or inflation unless stated. They are not investment advice. Mutual fund investments are subject to market risks. Read all scheme related documents carefully.
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