FD Calculator
Fixed-deposit maturity from the compound-interest formula. The rate you enter is not a bank offer.
How this is calculated
Maturity uses compound interest: A = P(1 + r/n)nt. P is principal, r is the annual rate as a decimal, n is compounding periods per year, and t is tenure in years.
Actual bank maturity can differ because of product terms, day count, rounding, premature withdrawal, tax/TDS, and bank-specific rules. This is not financial advice.
Worked examples
₹5 lakh at 7.1% for 5 years, quarterly compounding
- A = P(1 + r/n)^(n t)
- The rate you type is not a bank offer.
Maturity ₹7,10,873 · interest ₹2,10,873
Useful for
- Compare tenures and compounding on a rate you already have
Questions
Will my bank pay this amount?
Not necessarily. Banks use product-specific day-count, rounding, TDS, and premature-withdrawal rules. This tool only applies A = P(1 + r/n)^(nt) to the numbers you enter.
Why might a bank pay a different amount?
Product terms, rounding, premature withdrawal, TDS, and day-count conventions. Janooji only applies the compound-interest formula to your numbers.