FD Calculator – Fixed Deposit Maturity Calculator

Calculate Fixed Deposit maturity, interest and FD vs SIP comparison instantly.

₹1,000₹1 Crore
1%15%
1 Year25 Years

Maturity Amount

₹7,07,389

Principal

₹5,00,000

Total Interest

₹2,07,389

Principal vs Interest

Principal (70.7%)Interest (29.3%)

FD Returns Table — 7% Interest Rate (Quarterly Compounding)

Amount1 Year3 Years5 Years
₹1 Lakh₹1.07L₹1.23L₹1.40L
₹5 Lakh₹5.36L₹6.15L₹7.01L
₹10 Lakh₹10.72L₹12.30L₹14.03L

* Values 7% annual interest rate aur quarterly compounding pe based hain. Actual rates bank pe depend karte hain.

Fixed Deposit (FD) Kya Hota Hai?

Fixed Deposit (FD) ek safe investment option hai jisme aap ek fixed amount ek fixed time ke liye bank mein rakhte hain aur bank aapko guaranteed interest deta hai. FD mein koi market risk nahi hota — aapka paisa 100% safe rehta hai. India mein sabse popular investment options mein se ek hai FD. Is FD calculator se apni maturity amount turant calculate karein.

FD vs SIP — Kahan Invest Karna Chahiye?

FD mein guaranteed return milta hai (currently 6-7.5%), lekin SIP mein mutual fund ke through historically 12-15% return mila hai. Lekin SIP mein market risk hota hai — short-term mein loss bhi ho sakta hai. Agar aap risk nahi lena chahte toh FD best hai. Long-term wealth creation ke liye SIP Calculator se returns compare karein.

FD Calculator Kaise Use Kare?

  1. Principal amount daalein — ₹1,000 se ₹1 Crore tak
  2. Interest rate set karein — apne bank ka current FD rate daalein
  3. Time period choose karein — 1 se 25 saal tak
  4. Calculator turant maturity amount aur total interest dikhayega
  5. SIP vs FD tab mein comparison dekho — kahan zyada return milega

FD Ke Fayde

  • Guaranteed Returns — market risk zero, fixed interest milta hai
  • Safe Investment — DICGC se ₹5 lakh tak insured
  • Flexible Tenure — 7 din se lekar 10 saal tak
  • Loan Against FD — emergency mein FD pe loan le sakte hain
  • Senior Citizen Benefit — 0.25-0.50% extra interest milta hai

2026 Mein Best FD Interest Rates

2026 mein major banks ke FD rates: SBI (6.50-7.10%), HDFC Bank (7.00-7.40%), ICICI Bank (6.90-7.25%), Post Office FD (7.50%). Senior citizens ko additional 0.25-0.50% extra milta hai. EMI calculate karna ho toh Loan EMI Calculator use karein.

Disclaimer: Yeh calculator estimated returns dikhata hai. Actual FD rates bank aur tenure pe depend karte hain. Tax Deducted at Source (TDS) applicable hai agar interest ₹40,000 se zyada ho (senior citizens ke liye ₹50,000). Investment se pehle bank se confirm karein.

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What is an FD Calculator?

An FD Calculator is a free online tool that helps you calculate the maturity amount and total interest earned on a Fixed Deposit. Enter your principal, interest rate and tenure — the FD Calculator does the math using quarterly compounding, just like banks do.

How to use the FD Calculator

  1. Enter principal amount — from ₹1,000 to ₹1 crore.
  2. Set interest rate — use your bank's current FD rate (typically 6–7.5%).
  3. Choose tenure — from 1 to 25 years.
  4. See maturity amount and total interest instantly.

FD Calculator Formula

The FD Calculator uses A = P × (1 + r/n)^(n×t) where P is the principal, r is the annual interest rate, n is the compounding frequency (4 for quarterly) and t is tenure in years.

Best FD Interest Rates in 2026

Top bank FD rates today: SBI 6.50–7.10%, HDFC 7.00–7.40%, ICICI 6.90–7.25%, Post Office FD 7.50%. Senior citizens get an extra 0.25–0.50%. Use this FD Calculator with any rate.

FD vs SIP — which gives better returns?

FDs offer guaranteed 6–7% returns; SIPs in mutual funds have historically delivered 12–15% with market risk. The FD Calculator includes an FD vs SIP comparison tab so you can see the difference side-by-side.

Try more free calculators on ToolsKit:SIP Calculator,PPF Calculator.