01
Enter bank terms
Add deposit amount, tenure, and actual bank rate. Simple interest is used unless you enable compounding.
FD Calculator India
Fixed Deposit Planning Studio
See what your fixed deposit may be worth at maturity, after tax, and in today's purchasing power. Enter your bank rate and tenure, then compare the headline amount with a clearer planning view.
Built for Indian FD decisions — maturity, tax, and inflation in one view
Projection mode
Compare Simple maturity with Real returns after tax and inflation.
Plan your FD
Simple mode: Starts with simple interest. Enable compounding only if your FD reinvests interest periodically.
₹
Yr
Mo
Minimum tenure is 1 month. If your bank gives a day-based FD, use the closest month for this estimate.
%
Enable compounding
Simple interest is used: interest is calculated on the original deposit only.
Values outside the allowed range are automatically adjusted to the nearest valid number.
Wealth summary
Your FD could grow to
In 5 yearsQuick estimate
Estimated maturity amount
₹1,35,000
1.35 Lakhs
You deposit
₹1,00,000
Interest
₹35,000
Growth
1.35x
Want the real picture?
Include tax and inflation to see what you keep in today's money.
Curious how this is calculated?How it works
Projection summary
Your FD at a glance
Deposit
₹1,00,000 for 5 years
Rate
7.00% p.a. · Simple interest
Updated projection. Principal ₹1,00,000. Interest earned ₹35,000. Maturity ₹1,35,000.
Maturity₹1,35,000
Principal
₹1,00,000
1 Lakh
Interest earned
₹35,000
35 Thousand
Maturity amount
₹1,35,000
1.35 Lakhs
How this estimate is calculated
1. Maturity uses simple interest, so interest is calculated only on the original deposit.
These are estimates based on your assumptions and not guaranteed outcomes.
Quick guide
How to use this FD calculator
Build a maturity estimate in three steps, then use Real mode to see tax and purchasing-power impact.
02
Model real-world impact
Use Real mode to include slab tax on interest and inflation-adjusted purchasing power.
03
Decide with context
Compare bank maturity, post-tax value, and what the future payout may feel like today.
FD calculator FAQs
For compounding FDs, Arthvya uses A = P x (1 + r / n)^(n x t), where P is your deposit, r is the annual rate, n is the compounding frequency, and t is tenure in years.
For planning use only. Tax estimates are illustrative and not tax advice. Outcomes are not guaranteed.