✅ FD Calculator – Calculate Fixed Deposit Maturity & Interest Online
Introduction
A Fixed Deposit (FD) is one of the safest and most popular investment options in India, offering guaranteed returns over a fixed tenure. Whether you’re saving for a short-term goal or building long-term wealth, an FD calculator helps you plan efficiently by calculating the interest earned and total maturity amount.
With our free FD calculator, you can get instant results tailored to your investment amount, tenure, and bank-specific interest rates — including SBI, HDFC, ICICI, and even Post Office FDs.
💡 What is an FD Calculator?
An FD Calculator is an online tool that computes:
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Total interest earned
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Maturity amount at the end of the deposit period
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Quarterly or yearly compounding effect (depending on the scheme)
Instead of manually using complex formulas, the calculator simplifies your planning process and helps you make informed investment decisions.
📌 How FD Interest is Calculated
FD returns are calculated using the compound interest formula:
A = P (1 + r/n) ^ nt
Where:
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A = Maturity Amount
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P = Principal Investment
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r = Annual Interest Rate
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n = Number of times interest compounded annually
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t = Tenure (in years)
Most Indian banks use quarterly compounding, so n = 4.
🏦 Bank-Wise FD Rates Covered
Our FD calculator supports all major Indian banks and schemes:
|
Bank / Scheme |
Typical Interest Rate (p.a.) |
|---|---|
|
SBI FD Calculator |
6.5% – 7.1% |
|
HDFC FD Calculator |
6.6% – 7.25% |
|
ICICI FD Calculator |
6.7% – 7.1% |
|
Axis Bank |
6.5% – 7.2% |
|
Post Office FDs |
6.9% |
Note: These rates are indicative. Always confirm latest rates with the bank.
✅ Benefits of Using Our FD Calculator
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🎯 Instant Calculation: No need to crunch numbers manually
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🌐 Web-based Tool: Works on any device, anytime
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📈 Supports all banks: Including private and public sector FDs
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💰 Visual Output: Shows maturity and interest breakdown
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📊 Compounding Support: Uses standard quarterly compounding formula
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🆓 100% Free: No signup required
🔄 When to Use an FD Calculator?
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Planning tax-saving investments under Section 80C
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Comparing returns of FDs vs mutual funds
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Investing in senior citizen FD schemes
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Calculating post office FD maturity or bulk deposits
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Estimating returns from reinvested interest over long terms
🔗 Related Calculators:
🌐 External Resource:
Refer to the official SBI FD Rate Page for live interest rate updates.
❓ Frequently Asked Questions
✅ Can I use this FD calculator for SBI Fixed Deposits?
Yes. This FD calculator works perfectly for SBI schemes — just enter the interest rate, principal, and tenure.
✅ Is this accurate for HDFC Bank FDs?
Absolutely. It uses standard compound interest formulas suitable for HDFC FDs.
✅ Does it support Post Office FDs?
Yes, our tool supports all fixed deposits, including India Post schemes.
✅ What compounding frequency is used?
We use quarterly compounding, which is standard across most Indian banks.
✅ Is this tool free to use?
Yes — it’s 100% free, no login or registration required.
📌 Meta Info (for Rank Math)
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Focus Keyword: FD Calculator
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Meta Title: FD Calculator – Fixed Deposit Interest & Maturity Tool (Free)
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Meta Description: Use our free FD Calculator to calculate interest and maturity amount for SBI, HDFC, ICICI, and Post Office FDs. Accurate, fast & easy to use.
