RD Calculator

Calculate Recurring Deposit maturity value and total interest for free. Enter monthly amount, rate, and tenure for an instant breakdown. No account needed.

RD Details

5,000
6.5 %
5 Years

Maturity Amount

0

Total Deposit

0

Total Interest Earned

0

Maturity Schedule (Year-wise)

Year Deposit Amount Interest Earned Maturity Value
Share this Tool

Spread the word to help others work faster!

Related Tools

APY Calculator

Calculate Annual Percentage Yield for investments. 100% free and runs instantly in your browser.

BAH Calculator

Estimate your Basic Allowance for Housing (BAH) rates based on ZIP code, pay grade, and dependency status.

Brokerage Calculator

Calculate brokerage charges for stock trades. 100% free and runs instantly in your browser.

CAGR Calculator

Calculate Compound Annual Growth Rate. 100% free and runs instantly in your browser.

Car Loan EMI Calculator

Calculate EMI for car loans. 100% free and runs instantly in your browser.

Compound Interest Calculator

Calculate compound interest on investments. 100% free and runs instantly in your browser.

EMI Calculator

Calculate Equated Monthly Installments for loans. 100% free and runs instantly in your browser.

EPF Calculator

Calculate Employee Provident Fund returns. 100% free and runs instantly in your browser.
RD Calculator

Recurring Deposit Calculator

Simulate your Recurring Deposit maturity amount, annual compounding yields, and quarterly interest payouts.

Local Deposit Assurer
STEP 01

Enter Monthly Deposit

Input the fixed amount of money you plan to save in your RD account every month.

STEP 02

Provide Interest Rate

Enter the annual nominal interest rate offered by the post office or commercial bank.

STEP 03

Set Maturity Tenure

Specify the total length of the deposit scheme (in months or years).

STEP 04

Calculate Total Wealth

Review the total principal invested, compound interest accumulated, and final maturity payout.

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

RD Scheme Features

Savings Tools

Quarterly Compounding Models

Uses the standard quarterly compounding formulas used by post offices and commercial banks.

Maturity Wealth Split

Highlights the exact division between total deposits and interest earned, to show real capital gains.

Flexible Tenure Intervals

Lets you evaluate short-term RD options (from 6 months) up to long-term plans (10 years).

Bank vs Post Office Compare

Enables you to benchmark different public sector versus private bank RD interest yield payouts.

100% Client-Side Privacy

Your savings rates, monthly allocations, and deposit lengths are computed locally in browser memory. We perform zero server-side calls, keeping your financial habits 100% private.

Support

Recurring Deposit Questions

Quick help
Q1 What is a Recurring Deposit (RD)?
A Recurring Deposit (RD) is a savings scheme offered by banks and post offices where you deposit a fixed amount monthly for a pre-decided period and earn interest similar to a Fixed Deposit.
Q2 How is interest compounded in an RD account?
Unlike simple interest, RD interest is compounded quarterly. Since you deposit money monthly, the first month's installment earns interest for the full tenure, while the last month's installment earns interest for only one month.
Q3 What happens if I miss a monthly RD installment?
If you miss an installment, most banks charge a small penalty (e.g., 1.50 per 100 units per month). Frequent missed deposits can lead to premature closure of the RD account.
Q4 Can I withdraw my RD before the maturity date?
Yes, premature withdrawal is allowed, but banks usually penalize this by lowering the interest rate by 1% to 2% compared to the contracted rate for that tenure.
Q5 Do you track my monthly savings patterns or banks?
No, absolutely not. All recurring deposit compounding math is resolved locally within your browser sandbox. None of your inputs, bank selections, or wealth targets are uploaded or tracked.