FD Calculator
Fixed deposit maturity value and interest earned with quarterly compounding.
Best for: Use it to compare FD tenures and banks, decide between cumulative (interest reinvested) and payout options, or estimate post-tax returns on a deposit.
Purpose: Fixed deposit maturity value and interest earned with quarterly compounding.
Input
Result
EstimateMaturity value
$141,477
What your numbers show
- You invested $100,000.00, and it grew to $141,477.82 — a 41.5% total gain.
- 29.3% of your final corpus is investment growth rather than your own contributions — that is compounding doing the work.
What to do next
Next: SSI Payment CalculatorMore about this result
- Type
- Industry Standard
- Method
- Industry-standard method
- Confidence
- High
Uses the standard formula and conventions the industry relies on.
Explore scenarios
- Tenure· Most impactful— +2 yrs
- Interest rate· Least impactful— +0.5%
M is the maturity amount; interest earned = M − P. Quarterly compounding yields slightly more than annual at the same nominal rate, which is why banks quote both the rate and the effective yield.
- Inflation often matters more than expected over the long run.
- Small rate changes can significantly affect total outcomes.
- Long-term consistency usually beats short-term timing.
Small, consistent changes compound: time in the market usually beats timing the market.
How it's calculated & sources
Free & no sign-up · runs entirely in your browser. Results are estimates for general information, not professional advice — verify important decisions with a qualified expert. Last reviewed June 2026.
How it works
M = P × (1 + r/n)n·t — P principal, r annual rate, n compounding periods per year (quarterly = 4), t years. Interest earned = M − P.
Example
₹1,00,000 at 7% compounded quarterly for 5 years matures to ≈ ₹1,41,478 — about ₹41,478 interest.
Frequently asked questions
Why quarterly compounding?+
Most banks compound fixed-deposit interest quarterly by default, which is why it is the default here. Switch to monthly, half-yearly or annual to match your bank.
Is FD interest taxed?+
Yes — fixed-deposit interest is taxable as income, and banks deduct TDS once annual interest crosses the threshold. This calculator shows the pre-tax maturity value.
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