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Maturity value and interest for fixed and recurring deposits.
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FD & RD Calculator shows the maturity value and interest earned on a fixed deposit or recurring deposit. For FDs, choose quarterly, monthly, half-yearly or yearly compounding; RDs use quarterly compounding like most Indian banks. A year-by-year breakdown shows how your deposit grows.
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Maturity = P × (1 + r/n)^(n × t), where n is the number of compounding periods per year. ₹1,00,000 at 7% for 5 years compounded quarterly matures at about ₹1,41,478.
Each monthly instalment earns quarterly-compounded interest for the time it stays deposited; the calculator adds them up.
Yes, it is added to your income. Banks deduct TDS when interest crosses the threshold; the calculator shows pre-tax figures.
Yes. FD & RD Calculator is completely free, with no account, no paywall, and no usage limits.
No. FD & RD Calculator works instantly in any modern web browser — there is no software to install, no extension, and no sign-up.