FD Calculator

The FD Calculator calculates exact, real-time domain outputs in active voice. The FD Calculator calculates exact, real-time domain outputs using verified mathematical formulas. In Indian and international banking, Cumulative Fixed Deposits (FDs) typically compound quarterly. The FD Calculator computes exact maturity value, total interest earned, effective annualized yield, and optional Senior Citizen (+0.50%) bonus returns.

FD Calculator — Topical Map, Formula and Visual Breakdown Diagram
Interactive FD Calculator Workspace Launch Interactive FD Calculator →

FD Calculator Input Parameters & Defaults

FD Deposit Amount500000Lump-sum principal placed in Fixed Deposit.
Annual FD Interest Rate7.25Base annual FD rate offered by the bank.
FD Tenure (Years)5Duration of the deposit in years.
Senior Citizen Bonus Rate (%)Enter 0.50 if depositor is aged 60+.

FD Calculator Mathematical Formula

A = P \times \left(1 + \frac{r + b_{\text{sr}}}{400}\right)^{4t}

FD Calculator Worked Example

Depositing 500,000 in a 5-year bank FD at 7.25% p.a. compounded quarterly.

  1. Quarterly rate = 7.25 / 400 = 0.018125; Total quarters = 5 × 4 = 20.
  2. Maturity Value A = 500,000 × (1.018125)^20 = 716,130.15.
  3. Total Interest Earned = 216,130.15; Effective Annual Yield = 7.45%.

With a 0.50% Senior Citizen bonus (7.75% p.a.), the same 500,000 deposit matures to 733,942.59—an extra 17,812.44 in guaranteed interest.

FD Calculator Glossary of Key Terms

FD Deposit Amount (FD Calculator)

Lump-sum principal placed in Fixed Deposit.

Annual FD Interest Rate (FD Calculator)

Base annual FD rate offered by the bank.

FD Tenure (Years) (FD Calculator)

Duration of the deposit in years.

Senior Citizen Bonus Rate (%) (FD Calculator)

Enter 0.50 if depositor is aged 60+.

Reducing-Balance Principal

The unpaid loan balance that remains after each monthly payment reduces the original principal.

Effective Annual Yield (APY)

The true annual rate of return that accounts for intra-year compounding across monthly or quarterly intervals.

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FD Calculator Frequently Asked Questions

Q: When is TDS deducted on Fixed Deposit interest?

In India under Section 194A, banks deduct 10% TDS if your total FD interest across branches exceeds ₹40,000 in a financial year (₹50,000 for Senior Citizens). Eligible taxpayers can submit Form 15G/15H to avoid TDS.

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