FD Calculator

Maturity value of a fixed deposit with quarterly compounding.

Fixed Deposit Amount

₹

Expected Return (p.a.)

Time Period (Years)

Yrs

Scenario Analysis (Assumed Returns)

Conservative

13,50,742

Base

20,03,196

Higher

29,65,073

Labels are estimates based on your base rate (7%).

Estimated Maturity Value

₹20,03,196

Total Principal

₹5,00,000

Estimated Returns

₹15,03,196

Portfolio Mix

Invested

Returns

Growth Curve

You invest ₹5,00,000 every month for 20 years. At an estimated 7% annual return, your total investment is ₹5,00,000 and the estimated total value is approximately ₹20,03,196. Around ₹15,03,196 represents estimated growth.

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How it works

Banks compound interest quarterly. The rate is locked at the start.

The formula

M = P × (1 + r/4)^(4 × t)

P: Principal
r: Interest Rate
t: Tenure

Worked example

₹1L for 5 years at 7% maturity is ~₹1,41,478.

Pro tips

FD interest is taxable at your income slab.

Common mistakes

Ignoring post-tax returns.

Go deeper

Related lessons

Saving Money That Actually Grows

Concepts to explore

Tax-saving FDs

Institutional grade calculations are illustrative and for educational wealth architecture. Results do not constitute investment advice.