FD Calculator: The Complete Guide
Find out what your fixed deposit will be worth at maturity. Enter the deposit amount, the interest rate, the tenure, and how often interest compounds to see the maturity amount and the total interest earned.
Who the FD Calculator is for
Savers comparing fixed-deposit offers across banks, tenures, and compounding frequencies.
How to use the FD Calculator
- Type your values into the fields above — pick your currency or units where the calculator offers them.
- Results update automatically as you type; there's no submit button and nothing is sent to a server.
- Adjust any input to compare scenarios, then copy the result with a single click.
How it works
Maturity = P × (1 + r/n)^(n·t), where P is the deposit, r is the annual rate, n is the compounds per year, and t is the tenure in years. Interest earned is the maturity minus the principal.
Features
- Maturity amount
- Interest earned
- Quarterly/monthly compounding
- Any currency
What is a fixed deposit?
A fixed deposit (FD) or term deposit locks a lump sum with a bank for a fixed period at a guaranteed rate. Interest typically compounds quarterly. FDs are low-risk and predictable, which makes them popular for capital preservation — though returns may trail inflation over long periods.