🏦 Fixed Deposit (FD) Calculator

Calculate fixed deposit interest earned and total maturity payout.

Try the calculator

The values below are a working example. Change any field to recalculate instantly in your browser.

Formatting only — amounts are not converted using exchange rates.
FIXED DEPOSIT MATURITY VALUE$141,477.82
Principal$100,000.00
Interest Earned$41,477.82
Tenure5 years

Formula & Mathematical Logic

A = P(1 + r/n)^(nt)

Computes exact mathematical outputs locally on your device with 0 network latency.

Step-by-Step Worked Example

Sample Scenario

Investing $10,000 in an FD at 7% compounded quarterly for 3 years yields a maturity value of $12,314.39.

Frequently Asked Questions (FAQ)

How does the Fixed Deposit (FD) Calculator work?

The Fixed Deposit (FD) Calculator applies the mathematical formula A = P(1 + r/n)^(nt) to compute your inputs 100% locally in your web browser.

Is my personal or financial data private?

Yes. Calcixa operates on a 100% privacy-first zero-backend architecture. No data leaves your device.

CALCIXA PRACTICAL GUIDE

How to use the Fixed Deposit (FD) Calculator

A fixed deposit (FD) projection estimates maturity value from a one-time principal, stated annual rate, term, and compounding frequency. It is helpful for comparing tenures or checking a bank quotation before placing a deposit.

Actual proceeds can differ because institutions use product-specific day counts, payout options, senior-citizen rates, tax deduction, premature-withdrawal penalties, and rounding. The displayed maturity amount is a planning estimate, not a deposit certificate.

Step-by-step

  1. Enter the deposit principal and the exact quoted annual rate.
  2. Match the compounding or interest-payout frequency to the product terms.
  3. Enter the deposit duration in the unit requested by the tool.
  4. Compare maturity value, interest earned, liquidity restrictions, and penalties—not just the headline rate.

How to read the result

  • Maturity value combines the principal with projected compounded interest.
  • Interest earned is the pre-tax difference between maturity value and principal.
  • Effective return can differ from the nominal rate when compounding frequency changes.

Common mistakes to avoid

  • Ignoring tax or tax-deduction effects.
  • Assuming every FD compounds when some pay interest periodically.
  • Comparing different tenures without considering early-withdrawal penalties.

Important: This educational estimate is not financial, investment, tax, or lending advice.

More questions about Fixed Deposit (FD) Calculator

Does the maturity value include tax?

No. Tax treatment depends on the depositor and applicable rules; the projection is a pre-tax calculation.

Why is the bank quotation slightly different?

The institution may use exact days, a different compounding date, product-specific rounding, or a special rate.

Can I use this for a cumulative and non-cumulative FD?

The compound projection fits a cumulative deposit. Periodic-payout products need their payout schedule considered separately.

Sources and methodology

Calcixa explains the model, assumptions, and limitations so you can verify the result. See our calculation and tool methodology for rounding, privacy, testing, and correction practices.

Maintained by the Calcixa product team. This page was last updated on 7 September 2026.