FD Calculator India 2026 — Calculate Returns, Interest & Maturity
Looking to calculate your Fixed Deposit returns in India for 2026?
Our FD Calculator helps you instantly estimate the maturity amount and total interest earned on your investment.
Simply enter:
Total Investment Amount
Interest Rate
FD Tenure (Years)
And get your estimated maturity value within seconds.
This fixed deposit interest calculator is ideal for comparing bank FD schemes like SBI, HDFC, ICICI, Axis Bank and other NBFCs.
Invested Amount:
Total Interest:
Maturity Value:
How Does an FD Calculator Work?
An FD calculator works by applying the compound or simple interest formula, depending on the bank’s fixed deposit scheme. The calculation is based on:
• Deposit amount
• Interest rate offered by the bank or financial institution
• FD tenure (months or years)
• Compounding frequency
Based on these inputs, the calculator estimates the maturity amount and total interest earned.
Types of Fixed Deposit Interest Calculation
Fixed deposits in India may offer interest in different ways:
• Simple interest – interest calculated only on the principal amount
• Compound interest – interest calculated on principal plus accumulated interest
Most bank FDs use compound interest, which leads to higher maturity value over time.
FD Calculation Example
For example, if you invest ₹1,00,000 in a fixed deposit for 3 years at an annual interest rate of 7%, the FD calculator will estimate the maturity amount based on the compounding method used by the bank.
This example is for understanding purposes only. Actual FD returns may vary depending on bank policies and interest rates.
Benefits of Using an FD Calculator
Quickly estimates FD maturity amount
Helps compare FD schemes across banks
Useful for financial planning
Saves time and avoids manual calculations
Beginner-friendly tool
Important Things to Know Before Investing in FD
While fixed deposits are considered low-risk investments, FD interest rates are subject to change. Premature withdrawal may attract penalties, and interest earned on FDs is taxable as per income tax laws.
Investors should check bank terms, tax implications, and liquidity needs before investing in fixed deposits.
Frequently Asked Questions (FAQs)
Q1. Is FD calculator accurate?
An FD calculator provides an estimate based on entered values. Actual returns may vary.
Q2. Are FD returns guaranteed?
FD returns depend on the interest rate offered by the bank at the time of investment.
Q3. Can senior citizens use FD calculator?
Yes, senior citizens can use it to estimate returns, considering higher interest rates offered.
Q4. Is FD interest taxable?
Yes, FD interest is taxable as per applicable income tax rules.
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Disclaimer
Credit Khabri is not a bank or financial institution.
This FD calculator is provided for educational and informational purposes only.
Fixed deposit interest rates and maturity values may vary across banks and NBFCs.
Please verify details with official financial institutions before investing.