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FD Calculator

Estimate the maturity value and interest earned on your fixed deposit investment.

₹1,00,000

Principal

₹0

Maturity Value

₹0

Interest Earned

8%

Interest Rate p.a.

Earn Higher Returns

Fixed Deposits offer 7.5%–9% p.a., significantly more than most bank FDs.

  • AAA-Rated Issuers Only
  • Flexible Tenure (1–5 yrs)
  • Monthly Payout Option
  • Expert Guidance
Explore Fixed Deposits

What is an FD Calculator?

An FD (Fixed Deposit) Calculator helps you calculate the maturity amount and interest earned when you deposit a lump sum for a fixed period at a given interest rate. It accounts for the compounding frequency: monthly, quarterly, half-yearly, or yearly.

Use this calculator to compare bank FDs and company FDs side-by-side and choose the one that maximises your returns for a given tenure.

How is FD Maturity Calculated?

FD maturity uses the compound interest formula:

A = P × (1 + r/n)^(n×t)

  • A: Maturity amount
  • P: Principal amount
  • r: Annual interest rate (as a decimal)
  • n: Number of compounding periods per year
  • t: Tenure in years

Bank FD vs Fixed Deposits

Bank FDs typically offer 6%–7.5% per annum, while AAA-rated company FDs can offer 7.5%–9% p.a. on the same tenure. Over 3–5 years, this difference compounds into significantly higher returns.

Kashly helps you invest in high-rated company FDs with full expert support. Use this calculator to see the difference in maturity values before you decide.

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