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Finance & Money Calculator
Illustrative math, reviewed October 2026 — not financial, tax, or legal advice. Verify rates and slabs before you sign or file.
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An FD calculator estimates maturity as principal × (1 + rate/4)^(4 × years) — interest compounded every quarter, the convention most Indian banks use, which pays slightly more than simple annual interest at the same rate. For example, ₹5,00,000 at 7% for 5 years matures to ≈ ₹7,07,389, so about ₹2,07,389 of it is interest. The page shows the deposited amount and interest separately.
Enter the deposit amount, the exact rate from your FD receipt or the bank's rate card, and the tenure in years. There is no live rate feed, so a 0.5% senior-citizen bonus only appears if you type the higher rate yourself. Compare two tenures before booking: the extra year usually adds more than savers expect, because later interest earns on earlier interest.
It does not deduct TDS or income tax, model premature-withdrawal penalties, or handle senior-citizen bonus rates automatically — enter the exact rate from your deposit receipt for the closest figure.
Illustrative math only — not financial advice or a bank quote.
Tax and statutory rules change; verify with a professional.
Usually very close, if your bank also compounds quarterly. Small differences come from day-count rounding and the exact number of days in each quarter.
Only if you enter the higher rate yourself. The tool does not know your category — it applies whatever rate you type.
Yes. FD interest is fully taxable at your slab rate, and banks deduct TDS above the threshold. This page shows the pre-tax maturity; subtract your slab to estimate what you keep.
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