FD Calculator — Fixed Deposit Maturity
Use our Fixed Deposit Calculator to find the maturity value of an FD with any principal, interest rate, tenure and compounding frequency.
🚀 Open the FD Calculator →
Formula
A = P × (1 + r/n)^(n×t) where r = annual rate, n = compoundings/year, t = years.
Example
₹1,00,000 FD @ 7% for 5 years, quarterly compounding → ₹1,41,478.
Frequently Asked Questions
Is FD interest taxable?
Yes, FD interest is fully taxable at your income-tax slab rate. Banks deduct TDS at 10% if interest > ₹40,000/year (₹50,000 for seniors).
Which compounding gives highest return?
Monthly compounding > quarterly > half-yearly > annual. Difference is small but real (~0.1%-0.3% over 5 years).
Related calculators
- RD Calculator — Recurring Deposit Maturity
- PPF Calculator — Public Provident Fund Maturity
- Income Tax Calculator FY 2025-26 — Old vs New Regime
EMI Mitra is a 100% free, on-device personal-finance toolkit for India. No signup, no data leaves your browser. Explore all calculators →