FD Calculator
Maximize Your Savings with Our Fixed Deposit (FD) Calculator: Plan Your Future Wisely
✍️ Introduction
Fixed deposits (FDs) are among the most popular and trusted ways to grow your savings in India. They offer guaranteed returns, capital safety, and peace of mind. But do you know exactly how much your money will grow over time?
With our easy-to-use FD Calculator, you can instantly find out your maturity amount, estimated interest earned, and plan your financial goals better.
💰 What is a Fixed Deposit?
A Fixed Deposit (FD) is an investment instrument offered by banks and NBFCs, where you deposit a lump sum amount for a fixed period at a predetermined interest rate. At maturity, you receive your principal plus accumulated interest.
FDs are ideal for conservative investors who prefer stability and guaranteed returns over market-linked volatility.
🧮 How Does Our FD Calculator Help You?
Our online FD calculator helps you:
- Estimate your total maturity value
- Calculate interest earned over different tenures
- Compare different interest rates easily
- Plan your savings goals confidently
You simply need to enter:
- Deposit amount (minimum ₹100)
- Annual interest rate (from 1% onward)
- Tenure in years (minimum 1 year)
The calculator instantly shows your invested amount, estimated interest, and total maturity value along with a visual doughnut chart for better understanding.
📈 Benefits of Using an FD Calculator
✅ Accurate Planning: Know exactly how much you will receive at maturity.
✅ Compare Options: Try different interest rates and periods to pick the best.
✅ Time-Saving: No manual calculations or spreadsheets.
✅ Better Decision-Making: Align your FD returns with your future goals (education, marriage, home purchase, etc.).
💹 How is FD Maturity Amount Calculated?
The FD maturity value is calculated using compound interest formula (assuming interest is compounded annually):
A = P × (1 + r)^n
Where:
- A = Maturity amount
- P = Principal amount invested
- r = Annual interest rate (in decimal)
- n = Number of years
🤔 Who Should Invest in FDs?
- Conservative investors looking for stable returns
- Individuals saving for short to medium-term goals
- People who prefer guaranteed income over market-linked risks
⭐ Why Use Our FD Calculator?
Our calculator is designed with a modern interface inspired by top financial platforms. It is fast, mobile-friendly, and free to use — making it perfect for anyone looking to plan their savings smartly.
❓ Frequently Asked Questions (FAQs)
How much can I start an FD with?
Most banks allow you to open an FD starting from as low as ₹100 or ₹1,000 depending on the institution.
Are FD returns guaranteed?
Yes, FD returns are guaranteed as per the agreed rate at the time of deposit.