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FD Calculator

FD / Term Deposit Calculator

Calculate maturity amount & interest earned on your fixed deposit or term deposit

Currency
Auto-detected based on your location Auto
Quick Presets

Preset rates are approximate market averages. Always confirm the actual rate offered by your bank before investing.

Deposit Details
Deposit Amount
₹1K₹10Cr
Interest Rate (per annum)
%
0.5%20%
Deposit Period
Years
1 Yr30 Yrs
Compounding Frequency
Monthly
Quarterly
Half-Yearly
Yearly
Deposit Amount
-
your investment
Interest Earned
-
total earnings
Maturity Amount
-
you will receive
Effective Yield
-
annual effective rate
Deposit vs Interest
Growth Over Time
Year-wise Growth Breakup
Download Report

What is Fd Calculator?

The FD Calculator computes the maturity amount and total interest earned on your Fixed Deposit, Certificate of Deposit, or term deposit. It supports multiple compounding frequencies including monthly, quarterly, half-yearly, and yearly, giving you precise projections for any bank or NBFC. Quickly compare how different tenures and rates affect your final payout.

How to Use Fd Calculator

  1. 1
    Enter the fixed deposit principal amount you plan to invest.
  2. 2
    Specify the annual interest rate offered by your bank or financial institution.
  3. 3
    Select the deposit tenure in months or years as per your investment plan.
  4. 4
    Choose the compounding frequency — monthly, quarterly, half-yearly, or yearly.
  5. 5
    Click Calculate to see the maturity amount, total interest earned, and effective annual yield.

Key Features

Supports four compounding frequencies: monthly, quarterly, half-yearly, and annual.
Works for fixed deposits, certificates of deposit, and recurring term deposits.
Displays effective annual yield so you can compare rates across different banks.
Clear breakup of principal invested versus interest earned at maturity.
Tenure flexibility from 7 days to 10 years to match any deposit scheme.
Instant recalculation when you adjust any input parameter for quick comparisons.

Frequently Asked Questions

1. Is Fd Calculator free to use?

Yes, Fd Calculator is 100% free with no registration, no hidden fees, and unlimited calculations. All features including PDF, Excel, and CSV report downloads are completely free.

2. How accurate is Fd Calculator?

Fd Calculator uses standard financial formulas used by banks and financial institutions worldwide. The calculations are mathematically precise. However, actual returns or payments may vary based on your bank's specific terms, fees, and rounding policies.

3. Does Fd Calculator work for countries outside India?

Yes! Fd Calculator supports 42 currencies including USD, EUR, GBP, AED, SAR, CAD, AUD, JPY, and many more. The currency is auto-detected based on your location, and preset values adjust to match your country's market rates and financial products.

4. Can I download the calculation report from Fd Calculator?

Yes. After calculating, you can download the complete report in three formats — PDF (professional branded report), Excel (with multiple sheets for summary and detailed breakup), and CSV (for importing into any spreadsheet). All downloads are generated instantly in your browser.

5. Is my financial data safe with Fd Calculator?

Absolutely. All calculations happen entirely in your browser using JavaScript. No financial data is ever sent to any server. Your amounts, interest rates, and investment details remain completely private on your device.

6. Are the preset interest rates in Fd Calculator accurate?

The preset rates are approximate market averages for each country and product type. They are meant as starting points for quick calculations. Always confirm the actual rate with your bank or financial institution before making any financial decisions.

7. Does Fd Calculator work on mobile devices?

Yes! Fd Calculator is fully responsive with interactive sliders, charts, and tables optimized for smartphones, tablets, and desktops. All download features work on mobile as well.

8. Do I need to install any app to use Fd Calculator?

No installation needed. Fd Calculator is a web-based tool that works directly in any modern browser — Chrome, Firefox, Safari, Edge, or Brave. Just open the page and start calculating instantly.

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