₹
₹5,000₹1,00,00,000
% p.a.
1% p.a.20% p.a.
120
Principal
Interest
Total₹1,24,97220% returns
Growth over time
ValueDeposited
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FD Calculator
Fixed Deposit maturity — monthly, quarterly, half-yearly or simple interest
What is FD Calculator?
A Fixed Deposit (FD) is a savings instrument offered by banks and NBFCs where you deposit a lump sum for a fixed tenure at a guaranteed interest rate. It is one of the safest investment options in India. Interest can be compounded monthly, quarterly, half-yearly, or annually — or paid out as simple interest.
How to use VyajPay's FD Calculator?
Enter your deposit amount, the FD interest rate offered by your bank, the tenure in years, and the compounding frequency. The calculator shows your maturity amount and total interest earned. Most Indian banks compound FD interest quarterly by default.
01
Adjust the sliders or type values to match your scenario.
02
Watch the donut chart update live — blue arc = your returns.
03
Read the result summary below the inputs for the final numbers.
Why use VyajPay's FD Calculator?
- Compare returns across different compounding frequencies (quarterly vs. annual)
- Know exactly how much your FD will be worth at maturity before you open it
- Useful for comparing FD offers from multiple banks
- Supports both compound and simple interest modes
Frequently Asked Questions
No. Once you book an FD, the interest rate is locked in for the entire tenure, regardless of RBI rate changes.
Yes. FD interest is added to your income and taxed at your applicable slab rate. TDS is deducted at 10% if interest exceeds ₹40,000 per year (₹50,000 for senior citizens).
Monthly compounding gives slightly more than quarterly, which gives more than annual, for the same stated rate. The difference is small but meaningful for large amounts.
Related calculators
RD CalculatorRecurring Deposit maturity calculator with quarterly compoundingPPF CalculatorPublic Provident Fund — tax-free long-term wealth with government backingNSC CalculatorNational Savings Certificate — 5-year guaranteed government schemeSCSS CalculatorSenior Citizens Savings Scheme — highest safety with quarterly interest payoutsSimple Interest (Byaj)Calculate flat-rate interest on loans — daily, monthly, or yearlyCompound InterestInterest on interest — see how compounding grows your loan or investmentEMI CalculatorReducing balance EMI — used by banks for home, car & personal loansFlat Rate EMIFlat rate EMI calculation common in informal lending — see the true cost
Byaj ka hisab, the Indian way
Ready to track your actual loans?
Use these calculators to plan, then track your real loans, EMIs and borrowers in the VyajPay app for Android and iPhone.