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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 RD calculator treats every monthly deposit as its own mini-deposit: each instalment compounds monthly at one-twelfth of the annual rate for the months remaining until maturity, and the tool sums them all — the same annuity mechanics as a SIP, applied to RD inputs. So ₹10,000 a month for 60 months at 7% matures to ≈ ₹7,20,105 on ₹6,00,000 deposited — about ₹1,20,105 of interest, weighted toward the early deposits that stayed longest.
Enter the monthly amount you will actually sustain, the number of instalments, and the annual rate from your RD terms. Expect a lower maturity than a same-total lump-sum FD — your money goes in gradually, so on average it is invested for roughly half the time. Use that gap to decide: can you invest the full sum upfront instead?
It does not penalise missed instalments, deduct tax, or track the RD account's own penalty rules — it assumes every instalment lands on time at the rate you typed.
Illustrative math only — not financial advice or a bank quote.
Tax and statutory rules change; verify with a professional.
Because your money goes in gradually rather than all at once, so on average it is invested for a shorter time than a single upfront deposit of the same size.
No. It assumes every instalment is paid on time.
Yes — RD interest is taxable at your slab, with TDS rules similar to FDs. The maturity shown here is pre-tax.
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