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FD Calculator

↻ Updated FY 2026-27

Find your fixed deposit maturity value. Enter the principal, rate and tenure, choose a compounding frequency (quarterly by default), and see total interest earned.

Educational calculators — always consult a licensed professional before making financial decisions.

Your inputs
Deposit amount
Interest rate
Tenure
Maturity value
₹1,44,995
after 5 years
Principal
₹1,00,000
your deposit
Interest earned
₹44,995
45% total
Principal vs interest
Principal₹1,00,000
Interest₹44,995
ASSUMPTIONS — Maturity uses P(1 + r/n)^(n·t) with the compounding frequency you choose (banks typically compound FDs quarterly). The default rate reflects the 5-year Post Office Time Deposit for the Jul–Sep 2026 quarter; bank FD rates vary by lender and tenure and are revised frequently. Figures are before TDS and tax on interest.

Runs entirely in your browser — nothing you enter is sent to us.How this works

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Sources & rate references

Rates, brackets and limits here are checked against primary sources. If a number still looks off, email support@realmoneyiq.com and we'll review and fix it.

RealMoneyIQ provides free educational calculators, not financial, tax, investment or legal advice. Results are estimates based on the assumptions you enter and publicly published rates; your actual outcome will differ. Always confirm decisions with a licensed professional who knows your full situation.