FD/RD Calculator

Choose Calculation Type: Select Currency:

Principal Amount:

Investment Period (Years): Annual Interest Rate (%): Compounding Frequency:

Results

Total Investment:

Final Maturity Amount:

Total Interest Earned:

Yearly Breakdown

Year	Invested Amount	Total Value	Return

FD/RD Calculator – Easily Compute Fixed & Recurring Deposit Earnings with CalculateYou.com

Saving money in Fixed Deposits (FDs) and Recurring Deposits (RDs) is one of the safest investment options in India. Whether you’re planning for short-term savings or long-term wealth accumulation, knowing the exact returns on your investment is crucial.

With CalculateYou.com, you can quickly calculate FD and RD maturity amounts with step-by-step accuracy.

What is an FD/RD Calculator?

An FD/RD Calculator helps you determine the maturity value of your investment based on:

Deposit amount
Interest rate
Tenure (Duration)
Compounding frequency (Monthly, Quarterly, Half-Yearly, Annually)

This tool eliminates the need for manual calculations, ensuring accurate and quick results.

Why Use an FD/RD Calculator?

✅ Instant and Accurate Returns Calculation ✅ Compare Different Investment Plans ✅ Helps in Financial Planning ✅ User-Friendly and Free to Use

How to Calculate FD Returns Step by Step

Follow these simple steps to compute your Fixed Deposit maturity amount using CalculateYou.com.

Step 1: Visit CalculateYou.com

Go to CalculateYou.com and open the FD Calculator tool.

Step 2: Enter Your FD Details

Input the required details:

Principal Amount – The amount you are investing.
Interest Rate (%) – The annual interest rate offered by the bank.
Tenure (Years/Months) – The duration of the FD.
Compounding Frequency – Select whether interest is compounded monthly, quarterly, half-yearly, or annually.

Step 3: Click Calculate

Press the Calculate button, and the tool will instantly display:

Maturity Amount – Total amount you will receive at the end of the tenure.
Total Interest Earned – The total earnings on your deposit.

Step 4: View Your FD Breakdown

The results will give you a clear understanding of how your money grows over time.

FD Calculation Formula

The maturity value for Fixed Deposits is calculated using the formula:

$M=P×(1+rn)n×tM = P \times \left(1 + \frac{r}{n} \right)^{n \times t}$

Where:

M = Maturity Amount
P = Principal Amount
r = Annual Interest Rate (in decimal)
n = Compounding Frequency (Monthly = 12, Quarterly = 4, Annually = 1, etc.)
t = Tenure (in years)

Example Calculation for FD

Let’s assume you invest ₹1,00,000 in an FD for 5 years at an interest rate of 7% (compounded quarterly).

$M=1,00,000×(1+74×100)4×5M = 1,00,000 \times \left(1 + \frac{7}{4 \times 100} \right)^{4 \times 5}$ $M=1,00,000×(1.0175)20M = 1,00,000 \times (1.0175)^{20}$ $M\approx₹1,41,478M \approx ₹1,41,478$

Thus, after 5 years, the total maturity amount will be ₹1,41,478, with an interest earning of ₹41,478.

How to Calculate RD Returns Step by Step

If you prefer Recurring Deposits (RDs), follow these steps:

Step 1: Visit CalculateYou.com

Navigate to the RD Calculator on CalculateYou.com.

Step 2: Enter Your RD Details

Input:

Monthly Deposit Amount – Amount you will deposit each month.
Interest Rate (%) – The RD interest rate offered by the bank.
Tenure (Months/Years) – The duration of the deposit.
Compounding Frequency – Typically quarterly for RD accounts.

Step 3: Click Calculate

Press Calculate, and the tool will show:

Maturity Value – The total amount you will receive at the end of the tenure.
Total Interest Earned – The interest gained during the deposit period.

RD Calculation Formula

The formula for Recurring Deposit Maturity Amount is:

$M=P×(1+r/n)nt−11−(1+r/n)−1/nM = P \times \frac{(1 + r/n)^{nt} – 1}{1 – (1 + r/n)^{-1/n}}$

Where:

M = Maturity Amount
P = Monthly Installment
r = Annual Interest Rate (in decimal)
n = Compounding Frequency (usually 4 for quarterly compounding)
t = Tenure (in years)

Example Calculation for RD

Let’s assume you deposit ₹5,000 per month in an RD for 3 years at an interest rate of 6.5% (compounded quarterly).

Using the RD formula, your maturity amount will be approximately ₹2,01,726, with ₹21,726 as interest earned.

Additional Features of CalculateYou.com

Apart from FD and RD Calculations, CalculateYou.com also provides:

SIP Calculator
EMI Calculator
Loan & Mortgage Calculators
Investment Growth Calculator

Conclusion

Whether you’re planning to invest in a Fixed Deposit (FD) or a Recurring Deposit (RD), using an online calculator ensures accurate returns estimation. With CalculateYou.com, you can plan your investments better, maximize your savings, and make informed financial decisions.

Try the FD/RD Calculator today on CalculateYou.com and start growing your wealth! 💰