5-in-1 Online Fixed Deposit Calculator
Fixed Deposits (FDs) remain one of the safest and most popular investment vehicles in India. This 5-in-1 FD Calculator helps you plan investments by calculating maturity returns, total interest earned, monthly income payouts, and comparing performance against regular savings accounts.
How the 5 Calculator Modes Work
1. Standard FD Calculator
Computes the total compound maturity value based on your principal investment, interest rate, and tenure.
2. FD Interest Calculator
Isolates the exact profit generated through cumulative interest over your chosen investment period.
3. FD Maturity Calculator
Focuses on the final lump-sum amount payable by the bank upon completion of the term.
4. Monthly Interest FD Calculator
Estimates regular monthly interest payouts for individuals seeking a steady secondary income stream.
5. FD vs Savings Account
Compares higher FD yields against standard savings account interest rates to highlight potential earnings growth.
Compound Interest Formula for FDs
Where A = Maturity Value, P = Principal, r = Annual Rate, n = Compounding Frequency (Quarterly = 4), t = Years
Frequently Asked Questions (FAQs)
Most major banks in India compound FD interest on a quarterly basis, meaning interest earned is added back to the principal every 3 months.
Yes, FD interest is fully taxable according to your applicable income tax slab rates, and banks may deduct TDS if interest exceeds ₹40,000 in a financial year (₹50,000 for senior citizens).