Calculate FD and RD maturity with monthly, quarterly, half-yearly or yearly compounding, and see the interest and effective annual rate. Free, in your browser.
Who Uses FD & RD Calculator
Savers comparing a fixed deposit against a recurring deposit to see which actually returns more on the money they can spare. People checking what a lump sum will mature to at a bank's quoted rate before committing to a tenure. Parents planning a deposit to mature in time for a fee payment or an admission deadline. Anyone working out whether quarterly compounding makes a visible difference over the term they have in mind.
FD & RD Calculator Features
- FD & RD Modes: Calculate both Fixed Deposit and Recurring Deposit maturity in one tool
- Real Bank Rates: Published FD and RD rates from 40+ banks and the Post Office, by tenure, with senior citizen rates and the date each took effect
- Visual Breakdown: See principal vs interest split with charts and progress bars
- Instant Results: Real-time calculation as you adjust sliders - no submit button needed
How to Use FD & RD Calculator
Calculate FD/RD maturity in three steps
- Choose Mode: Select Fixed Deposit or Recurring Deposit
- Enter Details: Set amount, rate, tenure, and compounding frequency
- View Results: See maturity amount, interest earned, and visual breakdown
Frequently Asked Questions
How is FD maturity calculated?
FD maturity uses compound interest formula: A = P(1 + r/n)^(nt), where P is principal, r is annual rate, n is compounding frequency, and t is tenure in years.
What compounding frequencies are supported?
Monthly, Quarterly, Half-Yearly, and Yearly compounding. Most Indian banks use quarterly compounding for FDs.
Are the bank rates accurate?
The rates come from each bank's own rate page (deposits under Rs 3 crore) and show the date they took effect; they were last checked on 10 Nov 2026. Banks change rates often, so confirm with your bank before you invest. Yes Bank, Federal Bank, Bank of India and ESAF are not included yet because their rate pages could not be checked.
How is RD maturity calculated?
RD uses quarterly compounding on each monthly installment. The formula accounts for each deposit earning interest for its remaining tenure.
Is this FD calculator free?
Yes, calculate FD and RD maturity with no signup. published rates from 40+ banks, senior citizen rates, a best-rate ranking, 4 compounding frequencies and a principal-vs-interest breakdown are all free.
Which bank offers the highest FD rate?
It depends on the tenure. Set your tenure and the calculator ranks every bank by its published rate for it, general or senior. Small finance banks usually pay the most, then private and public sector banks. Confirm the rate with the bank before you invest.
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