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Projects FD maturity from principal, rate, tenure and payout frequency. Use for one-time term deposits; differs from recurring-deposit by lump sum vs monthly deposits. Returns maturity value, interest earned and growth table. 100% client-side.
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Calculates the maturity value and interest earned on a lump-sum fixed deposit. It compounds your deposit at the stated annual rate over the tenure, with monthly, quarterly, or annual compounding.
Fixed deposits are a safe, predictable savings vehicle, but the maturity amount depends heavily on the rate and how often interest is compounded. This calculator makes the final value easy to see before you lock in.
This tool is part of the DevStackIO platform — a collection of free online developer tools from DevStackIO. Browse more free developer resources on DevStackIO.
Savers comparing deposit options, investors laddering fixed deposits, and anyone planning a lump-sum savings goal.
Enter the deposit (principal) amount
Enter the annual interest rate as a percent
Choose the tenure in years
Pick the compounding frequency
Read the maturity value and interest earned
Compare two rates or tenures side by side
Check the maturity date so you know when the funds become available
$100,000 at 6.5% for 5 years, monthly → ≈ $138,240$50,000 at 5% for 3 years, quarterly → ≈ $58,060$100,000 at 6.5% for 5 years, annual → ≈ $137,010 — monthly compounding earns slightly more$200,000 at 7% for 4 years, monthly → ≈ $264,500Does this tool support multiple currencies?
Yes, select your currency from the dropdown. All calculations run locally in your browser.
What is compounding frequency?
How often interest is added to the principal (monthly, quarterly, or annually).
Is this tax advice?
No, interest may be taxable depending on your jurisdiction.
Can I withdraw early?
Usually with penalties that this tool does not model.
Is my data shared?
No, everything runs locally in your browser.
Which compounding frequency gives the highest return?
More frequent compounding (monthly) earns slightly more than quarterly or annual at the same nominal rate.
What is a deposit ladder?
Splitting money across deposits with different tenures so some matures each year, balancing rate and liquidity.
Authoritative specifications, standards, and in-depth reading for Fixed Deposit Calculator.
Maturity value
$138,281.73
Deposited
$100,000.00
Interest earned
$38,281.73
Not financial advice
The results from this calculator are provided for general informational and educational purposes only. They are estimates based on the assumptions you enter and do not constitute financial, tax, legal, or investment advice, nor a recommendation to buy, sell, or hold any financial product. Tax codes, rates, and regulations change frequently and vary by country, state, and local jurisdiction — and may differ based on your individual circumstances, employer plan rules, and provider policies. Always verify the figures with current official sources and consult a qualified financial, tax, or legal professional before making any financial decision. All calculations run privately in your browser; nothing you enter is sent to our servers.
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