FD Calculator

Calculate the maturity value of a fixed deposit with quarterly compounding.

Maturity value
Deposit
Interest earned
About this tool

How FD Maturity Is Calculated

Fixed deposits typically compound quarterly: A = P(1 + r/400)^(4×t), where P is the deposit amount, r is the annual interest rate, and t is the tenure in years. This shows the gross maturity value before any TDS the bank may deduct.

FAQ

Frequently Asked Questions

How is FD maturity value calculated?

Most bank fixed deposits compound quarterly: A = P(1 + r/400)^(4×t), where P is the deposit amount, r is the annual interest rate, and t is the tenure in years.

Does this account for TDS on FD interest?

No, this shows the gross interest earned before tax. Banks deduct TDS on FD interest above a threshold, which reduces the amount you actually receive.

Can I use this for a bank other than my own?

Yes — enter any principal, rate, and tenure. The calculation is generic and works for any bank's quoted FD rate.

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