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Fixed Deposit (FD) Calculator

Work out the maturity value of a fixed deposit with any compounding — simple, annual, quarterly, monthly, daily or continuous — plus the effective annual yield.

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Open Fixed Deposit (FD) Calculator and you get an answer straight away, with no account to create. Its place is under Savings & budgeting; Certificate of Deposit (CD) Calculator and RD calculator (recurring deposit) answer the questions closest to this one.

How to use it

  1. Open the tool — no signup or install needed.
  2. Enter your input or adjust the available options.
  3. Get your result instantly, then copy or download it.

Frequently asked questions

What is Fixed Deposit (FD) Calculator?

Work out the maturity value of a fixed deposit with any compounding — simple, annual, quarterly, monthly, daily or continuous — plus the effective annual yield.

When would I actually use this?

Planning a deposit, a safety net or a large purchase: how much to put aside each month, and how long a target takes at a given rate.

What is the most common mistake?

Reading a nominal rate as if it were real. Inflation is subtracted from the return, not from the capital, so a 3% account during 4% inflation loses purchasing power every year.

How is Fixed Deposit (FD) Calculator different from Certificate of Deposit (CD) Calculator?

They sit next to each other but answer different questions: Certificate of Deposit (CD) Calculator is the one to open when you need it to see what a CD really pays: APR vs APY made explicit, after-tax return from your marginal rate, and the cost of an early-withdrawal penalty in months of interest. Pick whichever matches what you're starting from — both are free.

Is there a tool for the next step?

RD calculator (recurring deposit) is the closest one after this: The maturity value of a recurring deposit — a fixed amount paid in every month that earns compound interest. Enter the monthly deposit, the annual rate, the compounding (quarterly is the bank standard) and the tenure; it returns the maturity amount, the total you paid in and the interest earned.

What else is worth having open alongside it?

Fixed Indexed Annuity (FIA) Calculator and Loan-to-Deposit Ratio Calculator — they come up in the same task often enough to be worth a second tab.

Where do the figures come from?

Compound interest is arithmetic, so the maths is exact for the rate you enter. Real accounts vary in compounding frequency, tax treatment and whether interest is credited before or after a deposit.

Further reading

All guides →
ComparisonRegulated Savings, a Euro Fund or a Fixed-Term Deposit: the Ranking Inverts TwiceThe product paying the second-highest headline rate finishes last, and the reason is a tax change that took effect in January 2026. The three French savings vehicles scored on identical criteria: rate, tax, net return, real return, and what each one costs you in access.GuideWhat a Deposit Ladder Actually Costs: $141.92 Over Five YearsSplit $50,000 into five rungs instead of one five-year deposit and you end year five with $61,573.20 instead of $61,715.12. The whole liquidity option costs $141.92, once, during the ramp — and it is worth $1,049.24 if rates rise a point.ExplainerThree Different Rules Get Called "The 529 Rule"Qualified expenses, the K-12 cap and state tax treatment are three separate rules, and only the first two are federal. The K-12 cap doubled to 20,000 dollars for tax years from 2026; a federally qualified withdrawal can still be a state recapture event.ExplainerCollege Costs Compound for Eighteen Years Before Anyone EnrolsA four-year public in-state budget is 30,990 dollars today. Eighteen years out at 4 percent cost inflation the same four years cost 266,593 — 2.15 times the sticker you can see now. And the sticker was never the price: the average net cost of attendance is 21,340.ExplainerThe Alimony Formulas Agree on the Amount and Not on the DurationTwo of the three published US alimony guidelines are the same formula written twice: on 150,000 and 30,000 dollars of gross income both give 3,250 a month. What separates them is duration — 2.1 years or 10.5 — and that turns one marriage into 81,900 or 409,500.ExplainerChild Support Is a Shared Cost, Not a Slice of One SalaryIncome shares asks what two parents together would have spent, then splits it. On $5,000 and $3,000 with two children the schedule says $2,257.37, the shares are 62.5 and 37.5 percent, and after 90 overnights the order is $1,301.47 a month.