FD & RD Calculator

Use our advanced FD & RD Calculator to calculate returns on Fixed Deposits and Recurring Deposits. Get instant results with detailed interest calculations, maturity values, and investment breakdowns. Supports quarterly, half-yearly, and yearly compounding.

💰 Calculate FD & RD Returns

Principal Amount (₹)

Min: ₹1,000 | Max: ₹10,00,00,000

Annual Interest Rate (%)

Min: 0.01% | Max: 15% (Typical: 4-8%)

Time Period (Years)

Min: 3 Months (0.25) | Max: 50 Years

Compounding Frequency

Frequency of interest compounding

Tax Deduction - TDS (%)

Min: 0% | Max: 50% (Typical: 10%)

Inflation Rate (%) - Optional

For real value calculation

Principal Amount

₹0

Total Interest Earned

₹0

Tax/TDS Deducted

₹0

Maturity Amount (Net)
₹0

Effective Annual Return

Real Value (After Inflation)
₹0

A = P × (1 + R/N)^(N×T)
Where: P = Principal, R = Annual Rate/100, N = Compounding Frequency, T = Time in Years

Monthly Deposit Amount (₹)

Min: ₹100 | Max: ₹10,00,000

Time Period (Months)

Min: 1 Month | Max: 50 Years (600 Months)

Annual Interest Rate (%)

Min: 0.01% | Max: 15% (Typical: 3-7%)

Interest Compounding

Frequency of interest compounding

Tax Deduction - TDS (%)

Min: 0% | Max: 50% (Typical: 10%)

Inflation Rate (%) - Optional

For real value calculation

Total Deposited

₹0

Total Interest Earned

₹0

Tax/TDS Deducted

₹0

Maturity Amount (Net)
₹0

Effective Annual Return

Real Value (After Inflation)
₹0

M = R × [((1 + I)^N - 1) / I] × (1 + I)
Where: R = Monthly Deposit, I = Monthly Rate, N = Number of Months

💡 FD vs RD Comparison

Total Investment

FD: ₹0 | RD: ₹0

Total Interest Earned

FD: ₹0 | RD: ₹0

Tax Deducted

FD: ₹0 | RD: ₹0

Maturity Amount (Net)

FD: ₹0 | RD: ₹0

Which is Better?

Calculate to see

📊 Year-by-Year Interest Schedule (FD)

Year	Beginning Balance (₹)	Interest Earned (₹)	Ending Balance (₹)	Cumulative Interest (₹)

📊 Month-by-Month RD Schedule (First 12 Months)

Month	Monthly Deposit (₹)	Total Deposited (₹)	Interest Earned (₹)	Balance (₹)

📈 Maturity Value Comparison

About FD & RD Calculator

Fixed Deposit (FD): A lump-sum investment made for a fixed period. Interest is calculated on the principal and paid at maturity.

Recurring Deposit (RD): Regular monthly deposits made for a fixed period. Interest is compounded and added to the principal.

Key Features:

Multiple compounding frequencies (Annually, Semi-Annually, Quarterly, Monthly, Daily)
Tax deduction (TDS) calculation
Real value after inflation
Effective annual return calculation
Detailed year/month-by-month schedules
Works for all Indian banks and financial institutions

Supported Institutions: SBI, HDFC, ICICI, Axis Bank, PNB, BOI, and all other banks offering FD/RD.