FD Maturity Calculator
Find out exactly how much your Fixed Deposit will grow by maturity — with quarterly, monthly, half-yearly, or annual compounding.
FD Calculator
Enter FD Details
Compounding Frequency
Formula Used
A = P(1 + r/n)^(nt) — where P = principal, r = annual rate, n = compounding frequency per year, t = tenure in years.
Maturity Amount
₹1.24 L
After 3 years at 7.25% p.a. (Quarterly compounding)
Principal
₹1.00 L
Interest Earned
₹24,055
Interest earned is taxable as per your income tax slab. TDS applies above ₹40,000/year.
Invest in the Best FD — Free AdviceAsk on WhatsAppFixed Deposits — Safe, Predictable Returns
Fixed Deposits (FDs) are one of India's most popular savings instruments — offering guaranteed returns regardless of market conditions. The interest rate is locked at the time of deposit and does not change during the tenure.
Compounding frequency matters: monthly compounding will always give a slightly higher effective yield than quarterly or annual compounding, even at the same nominal rate. Most bank FDs compound quarterly.
Tax note: FD interest is taxable as per your income slab. TDS (10%) is deducted if interest exceeds ₹40,000/year (₹50,000 for senior citizens). Tax-saver FDs (5-year lock-in) qualify for 80C deduction up to ₹1.5 lakhs.