Free online FD calculator — calculate Fixed Deposit maturity amount, interest earned, and Certificate of Deposit (CD) returns easily.
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A Fixed Deposit (FD) is one of India's most popular and safest investment options. Banks offer guaranteed returns over a fixed period. Our free FD Calculator helps you instantly calculate the maturity amount and total interest earned for any FD investment. Whether you're planning a short-term FD for 3 months or a long-term FD for 5 years, our calculator supports both cumulative (interest compounds) and non-cumulative (periodic payout) options.
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Cumulative FD: A = P × (1 + R/n)^(nT). Non-cumulative: Interest = P × R × T / 100. Our calculator applies the correct formula automatically.
1-3 year FDs often offer the best rates. For tax saving, 5-year FD is required. Senior citizens should check special rates across banks.
Yes. FD interest is added to your income and taxed as per your slab. TDS is deducted at 10% if annual interest exceeds ₹40,000 (₹50,000 for senior citizens).
Cumulative FD reinvests interest to compound — better for wealth building. Non-cumulative pays interest periodically — better for regular income.
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