FD Calculator
Calculate your FD:
FD investment
Amount
Interest Rate
Percentage
Number of Years
year(s)
Compounding Frequency
FD investment
Amount
Interest Rate
Percentage
Number of Years
year(s)
Compounding Frequency
Invested Amount
₹10,00,000
Return
₹0
Amount at Maturity
₹0
What is Fixed Deposit Calculator?
A Fixed Deposit (FD) is an investment offered by banks and other eligible financial institutions where you deposit a lump-sum amount for a fixed tenure and earn interest at a predetermined rate. An FD calculator is an online tool that estimates the maturity amount and interest earned on a fixed deposit based on the deposit amount, tenure, interest rate, and compounding frequency. With a few simple inputs, you can calculate returns on Fixed Deposit without performing manual calculations.
Benefits of Using an FD Calculator
Instant Return Estimates
Calculate the estimated interest earned and maturity amount within seconds using an online FD calculator
Time-Saving Comparison
Modify the deposit amount, tenure, or interest rate to compare different investment options and choose the best one
Simplifies Investment Planning
Estimate the future value of your investments and plan your financial goals with the help of an online Fixed Deposit calculator
No Manual Calculation Errors
Complex compound interest calculations are performed automatically to improve the accuracy of the return estimates
Better Tax Planning
Check your estimated interest earnings to plan your tax liability and decide whether a tax-saving FD or spreading deposits can help manage TDS
Convenient to Use Anytime
The Kissht online FD calculator is available 24x7, any day
How Does The FD Calculator Work?
A Fixed Deposit calculator helps you calculate returns on a Fixed Deposit by estimating the maturity amount based on the investment amount, applicable interest rate, investment tenure, and the method of interest calculation. A Fixed Deposit interest calculator estimates your returns based on whether your FD earns simple interest or compound interest.
Simple Interest Fixed Deposit
For FDs that earn simple interest, the maturity amount is calculated using the following formula:
M = P + {(P x R x T) ÷ 100}
Where
- M = Maturity amount
- P = Principal (initial deposit)
- R = Annual interest rate
- T = Investment tenure (in years)
Example
Suppose you invest Rs. 2,50,000 in an FD for 4 years at an annual interest rate of 7.5%
- M = 2,50,000 + {(2,50,000 x 7.5 x 4)÷ 100}
- M = Rs. 3,25,000
Compound Interest Fixed Deposit
For FDs with compound interest, the interest earned is added to the principal at regular intervals:
M= P + P {(1 + i/100) ^ t – 1}
Where
- M = Maturity amount
- P = Principal amount
- i = Interest rate per compounding period
- t = No. of compounding periods
Example
Suppose you invest Rs. 1,50,000 for 6 years at an annual interest rate of 8%, with annual compounding.
- M = 1,50,000 + 1,50,000 {(1 + 8/100) ^ 6 - 1}
- M = Rs. 2,38,014 (approx)
These examples show how a Fixed Deposit rates calculator estimates the maturity amount using simple or compound interest, depending on the type of FD.
Factors That Affect FD Returns
Deposit Amount
Higher investment amounts generally earn higher interest in absolute terms, resulting in a larger maturity amount
Interest Rate
Even a small difference in the interest rate can significantly impact the total returns, especially for longer investment tenures
Investment Tenure
Longer tenures allow interest to compound for a greater period, which can increase the overall returns
Compounding Frequency
Quarterly, monthly, half-yearly, or annual compounding affects how frequently interest is added to the principal
Type of Fixed Deposit
Regular, tax-saving, cumulative, non-cumulative fixed deposits, and others may offer different interest payout structures
Premature Withdrawal
Closing an FD before maturity may attract penalties or a lower interest rate
What our Customer Say about Us
4.9
Customer Reviews
Instead of doing manual calculations, I used the FD Calculator to compare multiple deposit amounts and interest rates. It saved me a lot of time.
Priya M.
Bengaluru
I liked how quickly I could calculate the maturity value for different tenures. The tool is straightforward and helped me make a more informed investment decision.
Vikram K.
Delhi
I was planning an FD for my daughter's education and wanted an idea of the maturity amount. This calculator gave me a quick estimate and made planning much easier.
Pooja Nair
Kochi
As a first-time investor, I found the FD Calculator very helpful. It explained my expected returns clearly and made Fixed Deposit planning much easier.
Neha P.
Ahmedabad
As someone who isn't familiar with financial calculations, I found this FD Calculator very easy to understand. It gave me a quick estimate without asking for any personal details.
Sandeep Kulkarni
Nagpur
I wanted to estimate the returns on my year-end bonus before investing it in an FD. The calculator was straightforward and gave me the information I needed in a few clicks.
Ritu Malhotra
Chandigarh
Kissht - Sapno ko Kaho YES!
4.9
63M+
Downloads
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Assets Under Management
11M+
Customer Base
Frequently Asked Questions
A Fixed Deposit calculator is an online tool that estimates the maturity amount and interest earned on a fixed deposit based on the deposit amount, tenure, interest rate, and compounding frequency.
You can calculate FD interest using simple or compound interest, depending on the type of FD. Instead of calculating it manually, you can use the Kissht FD calculator online to instantly estimate the interest earned and maturity amount.
An FD return calculator provides an estimate based on the values you enter. The actual maturity amount may vary depending on the interest rate offered and applicable terms.
You need to enter the deposit amount, interest rate, and investment tenure to use an FD calculator.
Yes. Today, various modern calculators allow you to enter tenures in exact combinations of years, months, and days.
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