FD Calculator
Calculate your Fixed Deposit maturity amount and total interest earned with our free online FD Calculator.
FD Details
Why Use SmartBoxTool FD Calculator?
Estimate your Fixed Deposit returns quickly and easily.
Calculate Maturity Amount
Find out how much your fixed deposit could be worth at maturity.
Instant Results
Change the deposit details and get updated results instantly.
Interest Breakdown
See your original deposit and estimated interest separately.
Mobile Friendly
Use the calculator easily on mobile, tablet, and desktop devices.
Flexible Tenure
Enter your deposit tenure in either years or months.
Free to Use
Calculate your estimated FD returns without creating an account.
FD Calculator Formula
For a cumulative fixed deposit, the maturity amount can be estimated using the compound interest formula.
How to Use the FD Calculator?
Enter Deposit Amount
Enter the amount you want to invest in the FD.
Enter Interest Rate
Enter the annual FD interest rate.
Select Tenure
Enter your investment period in years or months.
View Maturity
See estimated interest and maturity amount instantly.
FD Calculator Example
Suppose you invest ₹1,00,000 in a fixed deposit at 7% annual interest for 5 years with quarterly compounding.
Actual FD returns may vary depending on the bank, financial institution, applicable interest rate, compounding method, and other terms.
Frequently Asked Questions
What is an FD?
A Fixed Deposit is an investment in which money is deposited for a specified period at an agreed interest rate.
How is FD interest calculated?
Cumulative FD returns are generally calculated using a compound-interest approach. The exact calculation can vary between financial institutions.
What is FD maturity amount?
The maturity amount is the amount received at the end of the deposit period, including the original deposit and applicable interest.
Does compounding frequency affect FD returns?
Yes. For a given nominal annual rate and term, compounding frequency can affect the calculated maturity amount.
Is this FD calculator free?
Yes. SmartBoxTool provides this online FD calculator as a free utility.