Calculate maturity amount and interest on your fixed deposit. Quarterly or yearly compounding.
Maturity = Principal × (1 + r/f)^(f×t), where r = annual rate, f = compounding frequency per year (4 for quarterly, 1 for yearly), t = tenure in years. Interest = Maturity − Principal.
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Maturity = Principal × (1 + r/f)^(f×t), where r = annual rate, f = compounding frequency per year (4 for quarterly, 1 for yearly), t = tenure in years. Interest = Maturity − Principal. Banks typically compound quarterly.
Quarterly: interest is calculated and added every 3 months (f=4), so you earn interest on interest more often. Yearly: interest is added once a year (f=1). Quarterly compounding usually gives a slightly higher maturity for the same rate.
This calculator shows gross interest. TDS may apply if interest exceeds ₹40,000 (₹50,000 for seniors) in a year. Actual in-hand amount may be lower after TDS. Check with your bank for TDS rules.
Yes. Enter the principal, tenure and the interest rate your bank offers for senior citizen FDs (usually 0.25–0.50% higher). The formula is the same.
Yes. This FD calculator is free. Calculate maturity and interest for any principal, rate and tenure. No signup required.