Deposits / Free calculator
FD calculator
Estimate the maturity value of a cumulative deposit using your own rate and compounding frequency.
No signup or account connection. Inputs and results stay in this browser tab, without automatic saving or transmission.
02 / The bigger picture
Estimated maturity value
₹1,23,144
With the example assumptions shown. An estimate, not a promise.
- Deposit amount
- ₹1,00,000
- Interest before taxes
- ₹23,144
View the yearly numbers
| Year | Principal | Value |
|---|---|---|
| 0 | ₹1,00,000 | ₹1,00,000 |
| 1 | ₹1,00,000 | ₹1,07,186 |
| 2 | ₹1,00,000 | ₹1,14,888 |
| 3 | ₹1,00,000 | ₹1,23,144 |
What this assumes
- A cumulative deposit with a constant nominal annual rate and no withdrawals.
- Interest is reinvested at the compounding frequency you choose.
- Tax, TDS, early-withdrawal penalties and bank-specific rounding are excluded. No live bank rates are used.
Currency is rounded to the nearest rupee for display. See the method and limits ↓
Understand what is behind the number.
Formula and worked example
Maturity value = deposit × (1 + annual rate ÷ (100 × compounds per year))^(compounds per year × years).
₹10,000 at 8% nominal annual interest, compounded quarterly for two years, gives approximately ₹11,717 before taxes or charges.
Limits, assumptions and sources
- A cumulative deposit with a constant nominal annual rate and no withdrawals.
- Interest is reinvested at the compounding frequency you choose.
- Tax, TDS, early-withdrawal penalties and bank-specific rounding are excluded. No live bank rates are used.
Fields show the accepted input ranges. Results above ₹1 lakh crore are rejected. Limits are software modelling bounds, not recommendations or eligibility rules. Different compounding and contribution-timing conventions can produce different results in other calculators.
Methodology v1.0.0, reviewed as an educational scenario. Published 2026-10-30. Our sourcing and correction process.