FD Calculator 2026: Calculate Monthly Interest, Maturity Amount & FD Returns Online
Fixed Deposits (FDs) remain one of the most popular low-risk investment options for people who want predictable returns on their savings. However, calculating monthly interest, total interest earned, maturity amount and effective returns manually can be confusing, particularly when different compounding or interest-payout frequencies are involved.
Our FD Calculator 2026 makes the calculation quick and simple. Enter your deposit amount, interest rate and investment tenure to estimate your FD maturity amount and interest earnings. You can also compare daily, monthly and yearly interest, calculate returns for cumulative and interest-payout FDs, include a senior-citizen interest-rate benefit, estimate TDS, and calculate the expected maturity date.
Whether you are planning to invest ₹10,000, ₹50,000, ₹1 lakh, ₹5 lakh or more, this free online FD calculator can help you understand how your money could grow over your selected investment period.
Premium FD Calculator
Calculate fixed deposit maturity, monthly interest, daily interest, yearly interest, cumulative returns, TDS and estimated maturity date in seconds.
FD Investment Details
Enter your deposit details to calculate estimated FD returns.
Your FD Returns
Estimated results based on the information provided.
📊 FD Interest Schedule
| Period | Opening Balance | Interest | Cumulative Interest | Closing Balance |
|---|---|---|---|---|
| Calculate your FD to view the schedule. | ||||
How the Premium FD Calculator Works
This calculator supports both interest-payout and cumulative fixed deposits. In payout mode, interest is treated as being paid separately instead of being reinvested.
Important: This is an estimation tool. Actual bank FD maturity values, TDS and payout amounts can differ because banks may use their own compounding conventions, day-count rules, payout policies, tax treatment and product-specific terms.
The TDS feature is an illustrative calculator and should not be interpreted as a determination of your actual tax liability.
