FD calculator

Fixed deposit maturity and interest.

Maturity value

₹1,38,042

₹1.38 lakh

Invested amount: ₹1,00,000
Est. returns: ₹38,042
Effective annual yield: 6.66%

FD interest is taxed at your slab rate every year, and banks deduct 10% TDS once interest crosses ₹50,000 a year (₹1 lakh for seniors). A 5-year tax-saver FD qualifies under 80C in the old regime.

Invested amount₹1,00,000
Est. returns₹38,042

How it grows, year by year

InvestedReturns

What this calculates

A fixed deposit locks your money at a fixed rate for a set period. Most banks compound FD interest quarterly.

How it's calculated

Compound: M = P × (1 + r/n)^(n × t)

Simple: M = P + (P × r × t ÷ 100)

Results are illustrations based on the inputs you choose. Returns are not guaranteed and actual outcomes will vary. This is education, not advice.

Questions about this tool

Yes, at your income tax slab rate, every year, whether or not you withdraw it.

Deposits are insured by DICGC up to ₹5 lakh per depositor per bank.

FD calculator

What this calculates

How it's calculated

Questions about this tool

Is FD interest taxable?

Are FDs safe?

FD calculator

What this calculates

How it's calculated

Questions about this tool

Is FD interest taxable?

Are FDs safe?