FD Calculator
Work out the maturity value of a fixed deposit in seconds. Enter the deposit, the annual rate and the tenure, choose how interest compounds, and see the interest earned and effective yield.
How to use the FD Calculator
Enter the deposit amount you plan to lock into the fixed deposit.
Type the annual interest rate your bank offers.
Set the tenure in years and, if you like, additional months.
Pick the compounding frequency to see the maturity value, interest and effective yield instantly.
Frequently asked questions
How is FD maturity calculated?
Maturity A = P × (1 + r/n)^(n×t), where P is the deposit, r is the annual rate as a decimal, n is the number of compounding periods per year and t is the tenure in years.
What does compounding frequency change?
The more often interest is compounded, the higher the maturity value. Quarterly compounding earns more than annual compounding at the same nominal rate.
Is my data safe?
Yes. Every calculation runs inside your browser — no deposit details are ever sent to a server.