FD Calculator
Estimate your fixed deposit maturity amount, interest earned or monthly interest income. Compare cumulative and monthly payout options, including senior citizen rates.
Enter your FD information
Your FD Summary
Enter your deposit details and select Calculate FD to see your estimate.
Quick Estimate
Estimate your maturity amount and interest after entering the deposit details.
Compare FD Types
Review cumulative maturity or estimated monthly interest income.
Mobile Friendly
Use the calculator comfortably on phones, tablets and desktops.
P = principal, r = annual rate as a decimal, n = compounding periods per year, t = years. Monthly payout is estimated from principal × annual rate ÷ 12; actual bank payout can differ.
Frequently Asked Questions
What is a Fixed Deposit (FD)?
A fixed deposit is a savings product where you invest a lump sum for a chosen period at an agreed interest rate. Terms and early-withdrawal rules depend on the bank.
What is the difference between cumulative and monthly payout FD?
With a cumulative FD, interest is reinvested and paid with the principal at maturity. With a monthly payout FD, interest is paid periodically and the principal is generally returned at maturity.
Do senior citizens always get an extra interest rate?
Many banks offer an additional rate for eligible senior citizens, but the extra rate and eligibility depend on the bank, tenure and product. Enter the additional rate offered by your bank.
Are these results guaranteed?
No. This calculator provides an estimate, not a bank quote. Actual returns can vary with the bank's calculation method, payout discounting, tax, TDS, deposit terms and withdrawal conditions.