FD Calculator

Calculate Fixed Deposit returns for free. Enter principal, interest rate, and tenure to see maturity amount and total interest earned. Instant, no signup.

Fixed Deposit Details

1,00,000
7.0 %
5 Years

Maturity Amount

0

Principal Amount

0

Total Interest Earned

0

Year-wise Growth of your FD

Year Opening Balance Interest Earned Closing Balance
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Investment Calculator

Fixed Deposit Calculator

Calculate Fixed Deposit (FD) investment maturity values, interest yields, and compound growth schedules.

Local FD Planner
STEP 01

Enter Principal

Input the principal amount of your fixed deposit investment.

STEP 02

Select Interest Rate

Input the annual interest rate percentage offered by the banking institution.

STEP 03

Set Deposit Term

Define the deposit duration length in years, months, or days.

STEP 04

Select Interest Payout

Choose compounding cycles (monthly, quarterly, half-yearly, or annual).

Your Privacy Matters

All processing stays in your browser

No Server Uploads

Files never leave your device

Auto-Cleared

Data removed when you close

Capabilities

FD Calculator Features

Investment Returns

Maturity Value Projections

Estimates the final lump sum payoff amount upon deposit maturity.

Flexible Interest Frequencies

Computes yields using monthly, quarterly, semi-annual, or annual compounding rates.

Tax Deducted at Source (TDS)

Optionally projects estimated tax deductions based on your income brackets.

Annual Interest Breakdowns

Presents year-on-year tabular listings of accrued interests and closing balances.

100% Client-Side Privacy

Your deposit principal sums, interest rates, compounding tenures, and tax parameters are calculated entirely locally inside your browser memory sandbox. We guarantee offline execution with zero server uploads.

Support

Common Questions Answered

Quick help
Q1 How does a Fixed Deposit (FD) work?
A Fixed Deposit is a financial investment product offered by banks and non-banking financial companies where you deposit a sum of money for a fixed period at a locked-in interest rate that is higher than regular savings accounts.
Q2 How is FD interest calculated?
FD interest is computed using the standard compound interest formula: A = P x (1 + r/n)^(n x t), where A is maturity value, P is principal, r is the annual nominal rate, n is compounding cycles per year (typically 4 for quarterly compounding), and t is duration in years.
Q3 What is the difference between cumulative and non-cumulative FDs?
Cumulative FDs reinvest interest earned back into the deposit so that it compounds regularly, paying out the entire principal plus interest at maturity. Non-cumulative FDs pay out interest earnings to your bank account at regular intervals (monthly or quarterly) for cash flow.
Q4 Is Fixed Deposit interest taxable?
Yes, interest earned from Fixed Deposits is subject to income tax. Banks deduct Tax Deducted at Source (TDS) if your interest earnings exceed specified limits in a financial year, which you can claim or adjust during tax filings.
Q5 Are my FD inputs or maturity amounts saved on servers?
Absolutely not. All FD compound interest algebra is computed client-side inside your local browser memory sandbox. None of your parameters are uploaded or stored.