🧮 Free Calculator
Fixed Deposit (FD) Calculator
Compound interest: A = P × (1 + r/n)n×t — see maturity and interest for your principal, rate, and tenure.
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Inputs
Results
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Maturity amount
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Interest earned
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Principal
Year-by-year growth
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Compound interest on FDs
Banks quote an annual rate but credit interest per compounding period. More frequent compounding (monthly vs yearly) slightly increases the effective yield for the same nominal rate. This calculator uses the standard formula A = P(1 + r/n)nt with r as the nominal annual rate in decimal, n compounding periods per year, and t in years.
TDS and senior-citizen bonus rates are not applied here — enter the rate you expect after talking to your bank. Compare cumulative vs non-cumulative options at the branch.
FAQ
Is FD return guaranteed?
Bank FDs are subject to bank rules and DICGC insurance limits — verify with your bank.