TopToolAIIndia FD Calculator (Fixed Deposit)
Put in the amount, the rate and how long the FD runs, and see exactly what the bank will pay you at the end. The calculator uses the same compounding most Indian banks use, and it also shows the real yearly return and what is left after tax, so you can compare an FD with other options fairly.
How to use India FD Calculator (Fixed Deposit)
Step-by-step guide to the boxes below. Open it only if you need help.
How to use India FD Calculator (Fixed Deposit)
Step-by-step guide to the boxes below. Open it only if you need help.
-
1
Deposit amount (₹) Text
The lump sum you will put in the fixed deposit.
Example: 100000
-
2
Interest rate (% per year) Text
The rate your bank quotes for this tenure. Senior citizen rates are usually higher, so use the one that applies to you.
Example: 7
-
3
Tenure: years Text
Whole years. Leave at 0 if the FD is shorter than a year.
Example: 3
-
4
Tenure: extra months Text
Extra months on top of the years, for example 6.
Example: 0
-
5
Interest is added Choose one
Most banks compound quarterly. Pick monthly or yearly only if your FD receipt says so.
Choose one: Every quarter (most banks)Every monthEvery 6 monthsOnce a year
-
6
Your tax slab % Text optional
Put 0 if you are not sure. FD interest is added to your income and taxed at your slab rate, so this shows what is left after tax.
Example: 0
-
7
Extra rate for senior citizens (%) Text
Banks usually give senior citizens 0.25 to 0.75% extra. Enter that extra here, or leave 0 if it does not apply to you.
Example: 0
-
8
What happens to the interest Choose one
Cumulative means it stays in the FD and keeps growing. Payout means the bank pays it to you regularly and you get the deposit back at the end.
Choose one: Added to the FD (cumulative)Paid out to me regularly
-
9
Press “Calculate FD maturity”
Click the button under the boxes. If something is missing or not valid, a short message tells you which box to fix.
-
10
Read your result
Your answer appears under the button, with a short note in plain words where it helps. Change any box and press again to compare different numbers.
India FD Calculator (Fixed Deposit) FAQs
User Reviews
No reviews yet — be the first to try this tool and leave one.
More Free Tools
Handy the next time you're here
Leave a review