Fixed Deposit (FD) Calculator
Estimate FD maturity value with quarterly compounding, principal-vs-interest split
Deposit Details
Maturity
Maturity Value
$141,478
Principal
$100,000
Interest Earned
$41,478
About this Tool
A Fixed Deposit locks a lump sum with a bank for a fixed tenure at a guaranteed rate, compounded quarterly. This calculator estimates the maturity value and interest earned so you can compare tenures and rates before booking a deposit.
Common Use Cases
Compare Tenures
See how 1, 3 and 5-year deposits differ before locking in your money.
Rate Shopping
Compare bank offers side by side — small rate gaps compound into real money.
Emergency Fund Parking
Estimate returns on idle cash parked in short-term FDs or sweep-ins.
Senior Citizen Benefits
Factor in the extra 0.25–0.50% banks pay seniors by entering the higher rate.
Pro Tips
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Ladder Maturities
Split deposits across tenures so some money frees up every year without breaking FDs.
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Mind Premature Penalties
Breaking an FD early usually costs ~1% — keep emergency cash in savings instead.
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Check Tax Impact
FD interest is taxable; post-tax returns matter more than headline rates.
FAQs
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