FD Calculator
Fixed Deposit maturity with flexible tenure, compounding and tax context
Key Features & Calculation Guidance
Key features: Flexible Tenure, Compounding, Maturity Amount. Free, 100% browser-based — no login required.
Frequently Asked Questions
Which compounding frequency should I choose?
Use the frequency stated by your bank or deposit provider. Quarterly compounding is common for cumulative bank FDs, but it is not universal.
Is FD interest taxable?
Generally, fixed-deposit interest is taxable according to the applicable income-tax rules. TDS is only tax withheld at source and is not the same as your final tax liability. This maturity calculator therefore shows returns before tax.
Why can my bank's maturity amount differ slightly?
Banks may use day-based tenure calculations, specific compounding dates, product-level rounding and different rules for short deposits. Enter the exact rate and terms from your deposit advice for the closest estimate.
Does this calculator include premature-withdrawal penalties?
No. Premature closure rules and penalties vary by bank and deposit product, so they are not deducted from the displayed maturity estimate.
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