Work out what a fixed deposit will be worth at maturity, with the compounding frequency your bank actually uses.
Enter your Deposit amount, the Annual interest rate your bank offers, and the Tenure — in years, months, or a combination of both for a partial-year term — then choose how often the bank compounds interest.
The lump sum you're locking in — there's no monthly or recurring option here, since a Fixed Deposit is a one-time deposit by definition.
Work together: enter whole years, and if your FD runs for an odd number of months beyond that, like 5 years and 3 months, add those separately rather than rounding.
Changes how often your interest itself starts earning interest — Quarterly, Yearly, Half-yearly, or Monthly. Quarterly compounding (most Indian banks' standard) will always produce a slightly higher maturity value than yearly compounding, for the exact same rate and tenure.
Deposit amount: 100,000
Annual interest rate: 7.1%
Tenure: 5 years
Compounding: Quarterly
Deposit: 100,000
Interest earned: 42,175
Maturity value: 142,175
| Year | Value | Interest earned so far |
|---|---|---|
| 1 | 107,291 | 7,291 |
| 2 | 115,114 | 15,114 |
| … | ||
| 4 | 132,513 | 32,513 |
| 5 | 142,175 | 42,175 |
Turns your bank's advertised rate into the actual amount you'll receive at maturity.
Makes it easy to compare quarterly against monthly compounding before you commit your money.
Disclaimer: Results are estimates based on the assumptions you enter. Actual inflation, investment returns, and future costs may differ. This calculator does not provide financial, investment, or tax advice. Please verify all calculations independently — we do not carry any liability for errors, and this calculator may make mistakes. This tool does not provide financial, investment, tax, or legal advice.