FD Calculator India

Compare fixed deposit outcomes: lump sum, annual rate, tenure, and simple vs compound (annual) interest. Two default scenarios; add up to four columns. See invested amount, estimated returns, total value, and invested vs gains — with year-by-year balance in each accordion. Free; link and PDF export.

Shopping for rates

Use columns to compare the same principal across different rate assumptions or tenures before you book an FD with a bank or NBFC.

Compound vs simple

Longer tenures widen the gap between simple and annual compounding. Your bank’s actual compounding frequency may differ from our annual compound mode.

Limitations

No TDS, senior-citizen spreads, or premature withdrawal penalties. Not investment advice.

Frequently Asked Questions

Simple interest uses M = P + P×r×t. Compound mode assumes interest compounded once per year on the principal: M = P×(1+r)^t. Banks often compound quarterly or use different conventions — verify with your institution.

No. Tax deducted at source on interest depends on bank rules, PAN, and thresholds. Your in-hand return may be lower than shown.

Yes. Two scenarios load by default; you can add up to four columns with different amounts, rates, tenure, or simple vs compound.

Fixed deposits from banks and NBFCs offer stated rates subject to terms; they are not equity-market returns. Corporate and NBFC FDs carry credit risk — this tool does not assess issuer risk.