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Projects RD maturity from monthly deposit, rate and tenure. Use for monthly fixed-income saving; differs from fixed-deposit by recurring deposits vs one-time lump sum. Returns maturity value, deposits total and interest. 100% client-side.
Recurring Deposit Calculator is loading — interactive editor will appear here. Use examples below to try instantly once loaded.
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Calculates the maturity value of a recurring deposit: a fixed amount deposited every month that compounds at the stated annual rate over the tenure. Shows the total deposited and the interest earned on top.
Recurring deposits turn a habit of small, regular deposits into a meaningful sum, but it's hard to intuit how much interest those deposits accumulate. Simulating it shows the payoff of consistency.
This tool is part of the DevStackIO platform — a collection of free online developer tools from DevStackIO. Browse more free developer resources on DevStackIO.
Budget-conscious savers building a regular savings habit, and anyone planning a medium-term savings goal like a vacation or emergency fund.
Enter the fixed monthly deposit amount
Enter the annual interest rate as a percent
Choose the tenure in years
Read the maturity value, total deposited, and interest earned
Adjust the amount or tenure to hit your goal
Compare quarterly vs. monthly compounding if your bank offers it
$5,000/month at 6.5% for 5 years → ≈ $352,000$1,000/month at 5% for 3 years → ≈ $38,800$2,000/month at 6% for 4 years → ≈ $108,000, of which ≈ $12,000 is interest$5,000/month at 6.5% for 10 years → ≈ $836,000, of which ≈ $236,000 is interestDoes this tool support multiple currencies?
Yes, select your currency from the dropdown. All calculations run locally in your browser.
How is this different from a fixed deposit?
A fixed deposit is a lump sum; here you add monthly.
Is the interest compounded monthly?
Yes, it compounds at the stated rate over the term.
Is this tax advice?
No, interest may be taxable depending on where you live.
Is my data shared?
No, everything runs locally in your browser.
What happens if I miss a deposit?
The final value is lower and your target date may slip; the calculator models a fixed monthly schedule.
Is a recurring deposit better than a savings account?
It usually pays a higher rate in exchange for locking in regular deposits.
Authoritative specifications, standards, and in-depth reading for Recurring Deposit Calculator.
Maturity value
$355,283.92
Total deposited
$300,000.00
Interest earned
$55,283.92
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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