FD CALCULATOR

Estimate fixed deposit maturity, earned interest, and payout schedules with cumulative and income-style FD modes.

Deposit planner

Cumulative FD

Reinvest interest to estimate final maturity value with the compounding frequency you choose.

Deposit amount₹5,00,000

Interest rate7.50%

Years5

Months0

Compounding frequency

Total tenure5 years 0 months

Deposit split

Principal vs maturity gain

Deposit amount₹5,00,000

Interest earned₹2,24,974

Estimated maturity amount₹7,24,974

Interest earned₹2,24,974

Deposit amount₹5,00,000

Annual rate7.50%

CompoundingQuarterly

Growth over tenure

Deposit vs compounded value

Specific Tool Notes: Use cumulative mode for reinvested interest and maturity amount, or payout mode to estimate periodic interest income while the principal stays locked.

FAQ

Common questions, clean answers

What is the difference between cumulative and payout FD modes?

Cumulative FD reinvests interest and grows the maturity amount, while payout FD distributes interest periodically and usually returns the original principal at maturity.

Does compounding frequency matter in FD calculations?

Yes. More frequent compounding slightly increases the maturity amount because interest is added back to the deposit more often.