Use our free FD Calculator to calculate the maturity amount and total interest earned on your Fixed Deposit investment. Simply enter the deposit amount, interest rate, tenure, and compounding frequency to get instant and accurate results. This tool is ideal for investors looking for safe, guaranteed returns.
Maturity Amount
■ Interest Gained
FD Calculator – Predict Your Guaranteed Returns for 2026
A Fixed Deposit (FD) remains one of the safest and most popular investment avenues. In the 2026 financial climate, where market volatility can be high, locking in your savings at a guaranteed interest rate provides much-needed stability. The MasterWebTool FD Calculator helps you determine exactly how much wealth you will accumulate by the time your deposit matures.
The Power of Compounding in FDs
Most Fixed Deposits in 2026 calculate interest on a quarterly compounding basis. This means you earn interest on your interest, significantly increasing your terminal value over long periods.
$$A = P \left(1 + \frac{r}{n}\right)^{nt}$$
Where: A = Maturity Amount, P = Principal Deposit, r = Annual Interest Rate, n = Number of compounding periods per year, t = Number of years.
Why Use our FD Tool?
- Flexible Payouts: Whether you choose monthly, quarterly, or cumulative payouts, our tool adjusts the math instantly.
- Tax Planning: Remember that FD interest is taxable. Use this tool to plan your post-tax returns effectively.
- Comparison: Test different tenures (from 7 days to 10 years) to find the "sweet spot" for the highest interest rates.
"Safety and growth go hand-in-hand when you plan your Fixed Deposits with precision. Don't just save; invest with a goal in mind."
Frequently Asked Questions (FD Guide)
What is the benefit of a Tax-Saving FD?
A Tax-Saving FD has a mandatory lock-in period of 5 years and allows you to claim deductions under Section 80C. While the liquidity is lower, it is an excellent tool for long-term tax planning.
Can I withdraw my FD before maturity?
Yes, most banks allow premature withdrawal, but it usually comes with a small penalty (typically 0.5% to 1% reduction in the interest rate). Use our calculator to see if the penalty is worth the liquidity.
📗 How to Use the FD Calculator (Fixed Deposit)
- Enter Deposit Amount: Type the amount you want to invest in FD.
- Enter Annual Interest Rate (%): For example, 6.5%, 7%, etc.
- Enter Time Period (Years): Choose the duration you want to lock funds.
- Select Compounding Frequency: Monthly / Quarterly / Half-Yearly / Yearly.
- Click “Calculate”: See total interest and maturity amount instantly.
- Click “Reset”: Clear all values and start fresh.
💡 Tip: Quarterly compounding gives higher returns than yearly compounding.
A Fixed Deposit (FD) Calculator helps you estimate the maturity value of your FD investment based on deposit amount, interest rate, duration, and compounding frequency.
- 📌 Calculates maturity amount
- 📊 Shows total interest earned
- 🏦 Helps compare FD rates of banks & NBFCs
- 📈 Useful for financial planning and savings goals
This calculator provides quick, accurate results using compound interest calculations.
FD Maturity Formula:
A = P × (1 + r/n)n×t
Where:
- P = Principal (initial deposit)
- r = Annual interest rate (in decimal)
- t = Time period in years
- n = Compounding frequency:
- 12 → Monthly
- 4 → Quarterly
- 2 → Half-Yearly
- 1 → Yearly
The calculator computes:
- ✔ Total Interest Earned
- ✔ Final Maturity Amount
- ✔ Principal vs. Interest Breakdown
💡 More frequent compounding = higher maturity amount.
| Result | Meaning | Use It For |
|---|---|---|
| Deposit Amount | Initial amount invested in FD. | Budget planning. |
| Total Interest Earned | Profit earned from the FD. | Compare banks & interest rates. |
| Maturity Amount | Final amount received after FD matures. | Goal planning. |
📘 You can use these numbers to compare FD plans and decide which bank offers the best returns.
- ✔ Compare FD rates before investing.
- ✔ Choose quarterly compounding for maximum returns.
- ✔ Consider Senior Citizen FD for higher interest.
- ✔ Avoid breaking FD early (penalty applies).
- ✔ Split FD into multiple smaller FDs for liquidity.
- ✔ Choose longer tenure for better compounding.
💡 Smart planning increases your overall FD earnings.
- ❓ Why is maturity amount different between banks?
Banks use different compounding frequencies (monthly/quarterly/yearly). - 🧮 Is FD interest taxable?
Yes. TDS applies if interest exceeds ₹40,000 per year. - ⚙️ What if I break FD early?
You get reduced interest + penalty. - 🏦 Advantage of Senior Citizen FD?
Higher interest rate (0.25% to 0.75% extra). - 🔁 Can I reinvest FD on maturity?
Yes — many banks allow auto-renewal.
Need more help? Visit our Support Page.
💡 Combine these tools for complete financial planning.
📈 Investment & Growth Suite
Expert tools to maximize your savings and compound your wealth