๐ฆFD Calculator
Calculate your fixed deposit maturity value with any compounding frequency.
This tool is for educational purposes only and is not medical advice. Real transfusions and any medical decisions require testing and assessment by qualified healthcare professionals.
Free FD Calculator
Planning a fixed deposit and want to know exactly what it'll be worth at maturity? Our free FD calculator computes the maturity value using compound interest, matching how banks actually calculate FD returns. Enter your principal, interest rate, tenure, and compounding frequency โ monthly, quarterly, half-yearly, or yearly โ to see your maturity amount, total interest earned, and effective annual yield.
Because compounding frequency affects your real return even at the same nominal rate, the calculator makes that difference clear, showing the formula and substituted values behind every result. Related: the Compound Interest Calculator for general compound-interest scenarios beyond fixed deposits.
No sign-up, no downloads, no limits โ just accurate FD maturity numbers whenever you need them.
About the FD Calculator
Features
Compounding frequency
Monthly, quarterly, half-yearly, or yearly โ the standard bank FD options.
Cumulative vs non-cumulative
Separate math for reinvested interest versus periodic payouts.
Effective annual yield
Shows the real return accounting for compounding frequency.
Growth table
A year-by-year breakdown of the deposit's value.
Frequently Asked Questions
How does the FD calculator work?
Enter your principal, interest rate, tenure, and compounding frequency; it computes your maturity value using the compound interest formula.
What compounding frequencies are supported?
Monthly, quarterly (the most common for bank FDs), half-yearly, and yearly.
Is it free?
Completely free, no sign-up or limits.
Why does compounding frequency matter if the interest rate is the same?
More frequent compounding means interest is calculated on interest more often, giving a slightly higher effective yield than the nominal rate suggests โ the calculator shows this clearly.
What's the difference between cumulative and non-cumulative FDs?
Cumulative FDs reinvest interest so it compounds; non-cumulative FDs pay out interest periodically without compounding. Select the mode that matches your FD type for an accurate result.
Can I enter tenure in months instead of years?
Yes, tenure supports years plus months for shorter-term deposits.
Does it show the calculation formula?
Yes, the compound interest formula and your substituted values are shown alongside the result.
What is effective annual yield?
The actual annualized return accounting for compounding frequency, which can be slightly higher than the nominal quoted rate.
Is my data stored?
No; everything runs in your browser and isn't stored or sent.
Does it work on mobile?
Yes, fully responsive.