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Investment

Fixed deposit calculator

Estimate maturity and total interest with your principal, rate, tenure, and compounding frequency—same layout as our EMI tools.

FD inputs

Principal, rate, tenure & compounding

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Maturity value

Key number

₹0

Total amount at maturity including compounding.

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Principal

₹1,86,00,000

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Total interest

Earned over tenure

₹0

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Maturity

Principal + interest

₹0

Visual insights

Interactive charts — hover for details.

Growth over time

Maturity value by year

Principal vs interest

Share of maturity value

Cumulative interest

Year-by-year interest build-up

Smart insights

High-signal takeaways from your current numbers.

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Interest share of maturity

About 0% of your maturity value is interest—higher rates or more frequent compounding usually increases this.

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Compounding frequency

More frequent compounding (e.g. quarterly vs annual) typically increases maturity slightly for the same nominal rate.

Year-wise breakdown

YearInterest (₹)Total (₹)

Related FD calculator pages

Nearby deposit sizes or tenures—one change at a time.

Deep guide · India

FD calculator — fixed deposit returns in context

Place ₹1,86,00,000 at 6% for 6 years, compounded 1 time(s) per year, and maturity comes to about ₹2,63,84,455 — roughly ₹77,84,455 in interest on top of what you put in. That three-way split — principal, interest, total — is what most people open an FD calculator to see.

Fixed deposits trade equity-like upside for a steadier accrual story. How often interest compounds still moves the needle when the quoted annual rate is fixed. Figures here are pre-tax; layer in TDS and your slab for what you keep.

The tables vary tenure and principal; the SIP note later contrasts risk, not merit — a larger number is not always the right fit.

Calculation breakdown

  • Principal: ₹1,86,00,000
  • Interest (illustrative): ₹77,84,455
  • Maturity: ₹2,63,84,455

Scenario comparison

Different tenures

YearsInterestMaturity
5₹62,90,996₹2,48,90,996
10₹1,47,09,767₹3,33,09,767

Different principal amounts (±15–25%)

ScenarioPrincipalInterestMaturity
-25% vs base principal₹1,39,50,000₹58,38,342₹1,97,88,342
-15% vs base principal₹1,58,10,000₹66,16,787₹2,24,26,787
15% vs base principal₹2,13,90,000₹89,52,124₹3,03,42,124
25% vs base principal₹2,32,50,000₹97,30,569₹3,29,80,569

Benefits of FDs (fixed-income framing)

  • Predictability: Useful for goals where you want less day-to-day volatility than equities.
  • Simple story: FD returns map cleanly to principal, interest, and maturity — ideal for baseline planning.

Comparison: FD vs SIP (illustrative)

For perspective only, an illustrative mutual fund SIP path (12% assumption, not a prediction) with a monthly amount near ₹2,58,333 could produce a very different risk/return profile than FD compounding — estimated SIP corpus illustration near ₹2,73,20,531 over the same6 years. This is not advice; it explains why “FD vs SIP” is about goals and risk tolerance, not just the bigger number.

Tips & insights

  • Interest as a share of maturity: 30% — a quick read on how much of the ending value is growth vs principal.

Frequently asked questions

What FD returns can I expect on ₹1,86,00,000 for 6 years?
This page uses your inputs: principal ₹1,86,00,000, 6% annual rate, and compounding frequency 1 per year. Under those assumptions, maturity is about ₹2,63,84,455 with interest near ₹77,84,455 — illustrative FD returns for planning, not a bank quote.
Are FD returns guaranteed?
Bank FDs are relatively predictable versus equities, but rates change with institution policies and tenure buckets. Always confirm with the issuer.
FD vs SIP — what should I compare?
FDs focus on capital preservation and predictable accrual; SIPs target long-term growth with volatility. Use FD for near-term certainty and SIP for long horizon wealth — not interchangeable goals.
Does compounding frequency matter?
Yes — more frequent compounding can slightly increase maturity for the same annual rate. Here frequency is 1 per year.
Is tax included?
No — tax on interest depends on your slab and rules (including TDS thresholds). Treat numbers as pre-tax illustration.
What happens if I change tenure?
The scenario table shows 5–20 year maturities holding rate and principal constant — a quick map of FD returns sensitivity to time.

Internal linking — related FD calculator pages

Explore nearby scenarios on EasyCal — each link opens a calculator page with matching inputs (programmatic SEO).

FD interest rates and rules vary by bank/NBFC. Illustrations are educational.