KarobarKit
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Finance · Local-first · Beta

FD Calculator

Calculate fixed-deposit maturity and interest from principal, rate, tenure and declared compounding frequency.

Instant result•No account•Inputs stay in your browser
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Trust record

Check the method before you rely on the result

Tier B · Runs locally in this browser
Method
Nominal annual rate compounded at the user-selected frequency with decimal arithmetic.
Maturity = principal × (1 + annual rate ÷ compounding frequency)^(compounding frequency × years).
Sources
1 reviewed reference
Open the source register
Effective period
Formula-based; no statutory effective period
Last verified
9 August 2026
Review every 90 days
Reviewer status
Finance-method review: external review pending
Privacy
Finance inputs and results stay in this browser. Values are not sent to analytics, a backend, a URL or a log, and are not saved by default. Rates and returns are user-entered assumptions, not guarantees or lender recommendations.
Important limitations
  • The bank or product must confirm its day-count, compounding, tax, TDS and premature-closure rules.
  • No current deposit rate is imported and no product recommendation is made.

Read all limitationsReport an error

Browse Finance · Methodology · Sources

A quick guide

Use the number with context

The answer is only useful when you know what it includes and what it leaves out.

How to use it

  1. Enter deposit principal using the same currency and period assumptions as the other fields.
  2. Enter annual interest rate using the same currency and period assumptions as the other fields.
  3. Enter tenure in months using the same currency and period assumptions as the other fields.
  4. Enter compounding frequency using the same currency and period assumptions as the other fields.

Formula

Maturity = principal × (1 + annual rate ÷ compounding frequency)^(compounding frequency × years).

The maturity is an arithmetic illustration using the declared rate and frequency, not a bank quote.

Make it concrete

Worked example

A ₹1,00,000 deposit at 7% compounded quarterly for 12 months produces a maturity value of approximately ₹1,07,185.90.

Boundaries

What this tool does not assume

Limitations

  • The bank or product must confirm its day-count, compounding, tax, TDS and premature-closure rules.
  • No current deposit rate is imported and no product recommendation is made.

Edge cases

  • Zero interest leaves maturity equal to principal.
  • The selected frequency must be annual, half-yearly, quarterly or monthly.

Last reviewed 9 August 2026 · Formula version 1.0

Method & sources

How this result is grounded

The formula is deterministic and runs in your browser. Read the reference below for the method used by this tool.

  • Finance calculation methodology v1

    KarobarKit controlled methodology · authoritative reference · Checked 9 August 2026

    Supports: EMI and amortization arithmetic · SIP and FD illustrations · XIRR dated-cash-flow solving · loan comparison assumptions and limitations

Questions

Frequently asked

Does this include TDS or tax?

No. Tax and TDS depend on the product and your circumstances and are intentionally outside this arithmetic model.

Can I use a bank’s advertised rate?

Yes, as your own assumption after checking the bank’s current product terms and eligibility conditions.

Keep going

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Source register checked 9 August 2026.