FD Calculator
Calculate fixed deposit maturity value with quarterly compounding. Know exactly how much your FD will earn.
months (5.0 years)
Maturity Value
₹1.41 L
Total Invested
₹1.00 L
Est. Returns
₹41,478
Wealth Gain
41.5%
Breakdown
Invested: ₹1.00 L (71%)
Returns: ₹41,478 (29%)
📊 Interactive Growth Analysis
Invested vs Returns
Invested: ₹1.00 L
Returns: ₹41,478
Wealth Growth Over Time
Scenario Comparison
| Metric | Your plan | +2% Returns (9.0%) | +5 Years (10yr) |
|---|---|---|---|
| Total Invested | ₹1.00 L | ₹1.00 L | ₹1.00 L |
| Maturity Value | ₹1.41 L | ₹1.56 L ↑ ₹14,573 | ₹2.00 L ↑ ₹58,682 |
| Est. Returns | ₹41,478 | ₹56,051 | ₹1.00 L |
💡 Understanding Fixed Deposits
Fixed deposits are India's most popular savings instrument — they offer guaranteed returns with zero market risk. Banks compound interest quarterly, which means your earned interest also earns interest every quarter.
Senior citizens get an additional 0.25-0.50% interest rate. Tax-saver FDs (5-year lock-in) qualify for Section 80C deduction up to ₹1.5 Lakh. However, FD interest is fully taxable — TDS is deducted at 10% if interest exceeds ₹40,000/year (₹50,000 for seniors).
₹1 Lakh FD at 7% for 5 years matures to ₹1,41,478 with quarterly compounding — that's ₹41,478 in interest earnings with zero risk.