Fixed Deposit Calculator

Use our free fixed deposit calculator to estimate the maturity amount for your Fixed Deposit (FD) investment. A lump sum deposited for a fixed term earns compound interest at a fixed rate.

Financial

Currency

Deposit Amount

Annual Interest Rate (%)

Deposit Term (years)

years

Compounding Frequency

Formula

A Fixed Deposit (FD) is a financial instrument where you invest a lump sum for a fixed period at a fixed interest rate. Interest is compounded periodically and paid at maturity. This calculator shows the maturity amount and interest earned.

A = P(1 + r/n)^(nt)

Percentage: The percentage value you want to apply

Number: The original number or value

Result: The calculated result

How It Works

1Enter the lump sum deposit amount.
2Set the annual interest rate and deposit term.
3Choose the compounding frequency (quarterly is standard for FDs).
4The calculator computes the maturity amount using compound interest.

Examples

$100,000 at 7% for 3 years compounded quarterly

1.Quarterly rate = 7%/4 = 1.75%
2.Periods = 4 × 3 = 12
3.A = $100,000(1.0175)^12 = $123,141

Result: $123,141

Frequently Asked Questions

A Fixed Deposit is an investment where you deposit a lump sum for a fixed tenure at a fixed interest rate. Interest is compounded and paid at maturity or periodically.

FD interest is typically compounded quarterly. The formula A = P(1+r/n)^(nt) is used where r is rate, n is compounding frequency, and t is tenure.

Early withdrawal typically incurs a penalty (usually 0.5-1% reduction in interest rate) and may result in lower returns.

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Fixed Deposit Guide

CalculateMe Team

Last updated: 2026-07-15

Frequently Asked Questions

A Fixed Deposit is an investment where you deposit a lump sum for a fixed tenure at a fixed interest rate. Interest is compounded and paid at maturity or periodically.

FD interest is typically compounded quarterly. The formula A = P(1+r/n)^(nt) is used where r is rate, n is compounding frequency, and t is tenure.

Early withdrawal typically incurs a penalty (usually 0.5-1% reduction in interest rate) and may result in lower returns.

Fixed Deposit Calculator

Formula

How It Works

Examples

$100,000 at 7% for 3 years compounded quarterly

Frequently Asked Questions

What is a Fixed Deposit?

How is FD interest calculated?

What happens if I withdraw an FD early?

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Fixed Deposit Calculator

Formula

How It Works

Examples

$100,000 at 7% for 3 years compounded quarterly

Frequently Asked Questions

What is a Fixed Deposit?

How is FD interest calculated?

What happens if I withdraw an FD early?

Related Calculators

Related Articles