Calculate FD and RD maturity with quarterly compounding (Indian bank standard). Compare SBI, HDFC, ICICI, Post Office rates side-by-side and project monthly interest income for senior citizens.
FD & RD Calculator Features
- FD & RD Modes — Calculate both Fixed Deposit and Recurring Deposit maturity in one tool
- Bank Presets — Pre-loaded rates for SBI, HDFC, ICICI, PNB, and Axis Bank
- 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?
We include approximate rates for major banks. Actual rates may vary by tenure and deposit amount — verify with your bank.
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. SBI/HDFC/ICICI/PNB/Axis bank presets, 4 compounding frequencies, visual principal-vs-interest breakdown, and real-time slider updates are all free.
Which bank offers the highest FD rate?
Rates change frequently. As of 2026, private banks like HDFC and Axis typically offer 7-7.5% for 1-year FDs. Use our bank preset buttons for quick comparison.
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