FD Calculator — Fixed Deposit Maturity Calculator 2024-25
Calculate FD maturity amount with compound interest. Supports cumulative and non-cumulative FDs, quarterly/monthly compounding, senior citizen rates, and TDS calculation.
FD Calculator
Calculate fixed deposit maturity amount
Interest reinvested, paid at maturity
FD Maturity Result
Maturity Amount
₹7,07,389
After 5y 0m
Invested Amount
₹5,00,000
Total Interest
₹2,07,389
Investment vs Interest
TDS on FD Interest
TDS Applicable (10%)
Annual TDS: ₹4,148
Total TDS: ₹20,739
Effective return after TDS: ₹6,86,650
Year-wise Growth
Fixed Deposit (FD) — Complete Guide
A Fixed Deposit (FD) is one of the safest investment options in India. You deposit a lump sum for a fixed period at a predetermined interest rate.
FD Maturity Formula
Cumulative FD: A = P × (1 + r/n)^(n×t)
Where P = Principal, r = annual rate, n = compounding frequency, t = tenure in years
Non-Cumulative FD: Interest = P × r × t
FD Interest Rates (2024-25)
- SBI: 6.50-7.10% | Senior Citizen: 7.00-7.60%
- HDFC Bank: 6.60-7.25% | Senior Citizen: 7.10-7.75%
- ICICI Bank: 6.70-7.20% | Senior Citizen: 7.20-7.70%
- Post Office TD: 6.90-7.50%
TDS on FD Interest
- TDS at 10% if annual interest exceeds ₹40,000 (₹50,000 for senior citizens).
- Submit Form 15G/15H to avoid TDS if total income is below taxable limit.
- Without PAN, TDS is deducted at 20%.
- Tax-saving FDs (5-year lock-in) qualify for Section 80C deduction up to ₹1.5L.
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