Fixed deposit calculator
See the maturity value of a cumulative FD.
Estimated FD maturity value
For illustration only. Read the assumptions below for the full picture.
Understand your result.
Estimate the before-tax maturity value of a cumulative fixed deposit using the quoted annual rate and compounding frequency. No live bank offers are retrieved.
Separate principal from gross interest. Tax liability and TDS are different, and neither is deducted from the displayed maturity estimate.
A worked example.
Using this calculator’s default inputs, estimated fd maturity value is ₹7,07,389. This is an illustration of the stated formula, not a forecast.
See the example inputs
| Investment amount | ₹5,00,000 |
|---|---|
| Annual FD interest rate | 7 % |
| Time period | 5 years |
| Compounding frequency | Quarterly |
A common mistake to avoid
Using this cumulative-deposit result for a monthly interest-payout FD.
Questions you might have.
Are premature closure penalties included?
No. The projection assumes the deposit is held for the full chosen term.
Why might the bank quote differ slightly?
Exact dates, day counts, product rules and rounding can differ from a whole-year mathematical projection.
Prepared by INDwise · Calculation checks: 29 October 2026 · How we check the maths · Report a correction
How we calculate it
Maturity = principal × (1 + annual interest rate ÷ compounding frequency)^(frequency × years).
Assumptions & things to know
Cumulative deposit with no interim payouts. Rate is user-entered, not a live bank offer. Shows gross interest before TDS and income tax. No premature withdrawal.
Your privacy & sharing
Your financial inputs are used only within this page. Saved calculators use this browser’s local storage. Sharing creates a link with the entered values, so anyone with that link can see those values. A downloaded summary stays on your device.