The RD Calculator calculates exact, real-time domain outputs in active voice. The RD Calculator calculates exact, real-time domain outputs using verified mathematical formulas. The Recurring Deposit (RD) Calculator models monthly bank installments compounded quarterly according to Indian Banks' Association (IBA) standards. Track total principal deposited, quarterly compounded interest, and final maturity payout.
Total RD duration in months (typically 6 to 120 months).
RD Calculator Mathematical Formula
M = \sum_{k=1}^{n} P \left(1 + \frac{r}{400}\right)^{4 \cdot \frac{n - k + 1}{12}}
RD Calculator Worked Example
Depositing 10,000 per month in a 36-month (3-year) RD at 7.0% annual interest.
Total Principal Deposited = 10,000 × 36 = 360,000.
Each monthly installment compounds quarterly for its remaining tenure, yielding Total Maturity M = 401,543.
Total Interest Earned = 41,543.
Recurring Deposits allow salaried savers to lock in Fixed Deposit interest rates without needing a large initial lump sum.
RD Calculator Glossary of Key Terms
Monthly RD Deposit (RD Calculator)
Fixed monthly installment deposited.
Annual Interest Rate (RD Calculator)
Annual RD interest rate.
Tenure (Months) (RD Calculator)
Total RD duration in months (typically 6 to 120 months).
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.
Amortization Schedule
A complete chronological table showing how each installment splits between interest charges and principal repayment.
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RD Calculator Frequently Asked Questions
Q: How is RD interest compounded in banks?
Standard bank and India Post Recurring Deposits compound interest at quarterly intervals rather than monthly.
