🏦
📈
💰
📊
Principal
₹1.0L
Initial
Maturity
₹1.40L
Final value
Interest
₹40K
Earned
Yield
8.0%
Effective
Fixed Deposit
Guaranteed growth
Compounding · Safe Returns · Tax-Efficient
Fixed Deposit.
Know your maturity & interest.
Adjust principal, rate & tenure — see instant maturity, interest earned, effective yield and year‑wise growth.
✔ 100% Free
✔ No Data Stored
✔ India-First Planning
🏦 Principal
₹1,00,000
📈 Maturity Amount
₹1,40,255
💰 Total Interest
₹40,255
⚡ Effective Yield
8.0%
Live Calculator
Adjust sliders. Watch your FD grow.
Change any input — maturity, interest, and charts update instantly.
FD ParametersPrincipal, rate & tenure
₹1,40,255
📈 Total Interest₹40,255
⚡ Effective Yield (CAGR)8.0%
💡 Insight: Compounding amplifies returns over longer tenures.
Visual AnalyticsPrincipal vs Interest & Yearly Growth
Principal vs Interest Earned
Year‑by‑Year Growth
Your FD storyBased on current selection
FD best practices & strategiesMaximise returns, minimise risk
- Current rate: 7.0% — compare with small finance banks (up to 8.5%).
- Laddering: Split corpus across tenures to balance liquidity & yield.
- Taxation: Interest ₹40,255 is added to income; consider tax‑saving FDs (5yr lock‑in). Use Tax Simulator.
- Senior citizen benefit: Extra 0.25‑0.5% rate if eligible.
- Avoid premature withdrawal: Penalty reduces effective yield.
- Reinvest interest: Cumulative option (default) maximises compounding.
🚀 Plan smarter with INDwallet tools
- Compare FD vs RD → Recurring Deposit Calculator
- Understand tax impact → Old vs New Tax Regime
- Track overall net worth → Wealth Wallet
- Build emergency fund first → Emergency Fund Calculator
Frequently asked questions
compound interesteffective yieldtax on FDpremature withdrawalcumulative
🏦 FD Basics
An FD locks your money for a fixed tenure at a guaranteed interest rate. Your current FD: ₹1,00,000 at 7.0% for 5 yrs → maturity ₹1,40,255. Use Wealth Wallet to track overall savings.
Compound interest formula (annual compounding). Interest earned = ₹40,255, effective yield = 8.0%. Compare with RD Calculator.
📈 Returns & Strategy
Currently 7.0% is competitive. Senior citizens get 0.5% extra. Use tax simulator to optimise.
Longer tenure = higher compounding. Your 5‑year FD yields ₹40,255 interest. Try Savings Sprint for goal planning.
💰 Tax & Premature
Yes, interest ₹40,255 is added to income; TDS applies if interest > ₹40,000. Explore tax-saving FDs.
Yes, but penalty (0.5‑1%) applies. Maintain an Emergency Fund to avoid premature withdrawal.
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