FD Calculator – Fixed Deposit Maturity Amount
Calculate FD maturity value with quarterly/monthly/annual compounding and year-by-year growth.
Inputs
Breakdown
–interest earned
Principal
–
Interest Earned
–
Maturity Value
–
Effective Yield
–
Year-by-Year Breakdown
| Year | Opening Balance | Interest Earned | Closing Balance |
|---|
Disclaimer: All calculations are for educational and illustrative purposes only. Results are estimates and do not constitute financial, tax, or investment advice. Tax calculations are based on FY 2024-25 rules. Actual returns may vary. Consult a SEBI-registered financial adviser or CA before making financial decisions. MarketFreeze is not a SEBI-registered investment adviser.
Frequently Asked Questions
How is FD interest calculated?▾
A = P x (1 + r/n)^(nxt). Quarterly compounding gives higher effective yield than annual.
Is FD interest taxable?▾
Yes at your slab rate. TDS at 10% if interest exceeds Rs40,000/year. Submit Form 15G/H if income is below taxable limit.
Best FD rates 2026?▾
Small finance banks: 8.5-9.5%. Private banks: 7-7.75%. PSU banks: 6.5-7.25%.
FD vs Debt MF?▾
FDs offer guaranteed returns, insured up to Rs5L. Debt MFs potentially better post-tax returns but carry risk.
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