Use our FD Calculator to estimate the growth of your fixed deposit investments with ease. Factor in principal, interest rate, tenure, and compounding frequency to see how your money grows over time. Perfect for planning short-term and long-term savings goals while making informed investment decisions.
Calculate your Fixed Deposit maturity amount with ease. Enter your details below.
Our FD Calculator goes beyond basic interest calculations. It allows you to plan deposits with varying tenures, compounding options, and early withdrawals. You can see exactly how your investment grows over time, helping you make smarter financial choices.
Whether you're saving for a short-term goal or a long-term financial milestone, MFCALC’s FD Calculator helps you make informed investment decisions with precision and clarity.
The FD maturity is calculated using the compound interest formula:
Maturity Amount = P × (1 + r/n)^(n × t)
Where:
• P = Principal deposit
• r = Annual interest rate (in decimal)
• n = Number of compounding periods per year
• t = Tenure in years
This formula ensures your interest is compounded according to your chosen frequency, giving a true picture of growth over time.
You invest ₹1,00,000 at an annual interest rate of 7% for 3 years with quarterly compounding (n = 4). The formula:
Maturity = 1,00,000 × (1 + 0.07/4)^(4 × 3)
The maturity amount ≈ ₹1,22,843. Interest earned ≈ ₹22,843.
Suppose you deposit ₹5,00,000 for 5 years at 7.5% yearly compounding but withdraw after 2 years. The interest may be lower due to bank’s premature withdrawal rules. Our calculator can simulate this and show the adjusted maturity amount.
Deposit ₹2,00,000 for 3 years at 7%. Compare yearly vs monthly compounding:
Monthly compounding slightly increases returns due to more frequent interest additions.
Yes. Simply enter the principal, rate, and tenure for the bank’s FD, and compare maturity amounts.
Our calculator allows compounding to include interest reinvestment automatically to show total growth.
No, the FD calculator shows gross maturity. Tax implications like TDS on interest should be considered separately.
Yes, export the complete month-by-month or year-by-year schedule in CSV or Excel format for record keeping.
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