Maturity value of a fixed deposit with periodic compounding.
Please do not make financial decisions based on these results.
What is the FD Calculator — Fixed Deposit Calculator?
Maturity value of a fixed deposit with periodic compounding. To use the FD Calculator — Fixed Deposit Calculator, enter deposit, interest rate, years, compounds per year; it returns maturity value, interest earned, effective yield, and shows them instantly as you type.
Where the FD Calculator — Fixed Deposit Calculator fits
Maturity value of a fixed deposit with periodic compounding. The main figure it returns is the Maturity value, worked out from the values you enter.
It belongs with the other investment tools. If you are comparing options or checking a result from another angle, try the EAR Calculator, CD Calculator or the Savings Calculator.
How to use the FD Calculator — Fixed Deposit Calculator
- Fill in the fields. You will need Deposit ($), Interest rate (%), Years, Compounds per year. Use a rate of return you consider realistic; small changes compound into large differences. Fields marked optional can stay at zero.
- Read the result. The highlighted box gives the Maturity value, and the cards below show Interest earned, Effective yield. Tables and charts break it down further.
- Test other scenarios. Results update as you type. Change one value at a time to see what drives the answer, and press Reset to go back to the defaults.
Formula and how it works
Example with real numbers
Here is the FD Calculator — Fixed Deposit Calculator using the default values shown in the calculator above:
Inputs
| Deposit ($) | 10,000 |
|---|---|
| Interest rate (%) | 6.5 |
| Years | 5 |
| Compounds per year | 4 |
Results
| Maturity value | $13,804.20 |
|---|---|
| Interest earned | $3,804.20 |
| Effective yield | 6.66% |
With these inputs the calculator returns Maturity value: $13,804.20. Change any value in the calculator to see how the result moves.
What if you change one input?
Sensitivity check: raising Deposit ($) from 10,000 to 12,000 (about 20% higher) and leaving everything else as in the example above changes the results like this:
| Result | Example | After the change | Change |
|---|---|---|---|
| Maturity value | $13,804.20 | $16,565.04 | +20% |
| Interest earned | $3,804.20 | $4,565.04 | +20% |
| Effective yield | 6.66% | 6.66% | 0% |
The input that moves the result most is the one to check twice. Change it in the calculator above to test your own case.
What the results tell you
The results panel of the FD Calculator — Fixed Deposit Calculator reports Maturity value, interest earned and effective yield. Compare these figures while changing one input at a time, and use the related calculators below to look at the same situation from another angle.
Method and limits. This calculator applies the formula in the section above to your inputs, in your browser; nothing you enter is stored on our servers. Investment returns are not guaranteed. The result shows what the numbers you enter would produce, not what the market will do. It is for information, not financial, tax or legal advice.
Frequently asked questions
Is FD interest taxable?
In most countries yes; check local rules for tax on interest.
What rate of return should I assume?
There is no guaranteed rate. Test a range of conservative and optimistic rates, and remember that fees and inflation reduce your real return.
How often does interest compound?
You choose it in the compounding field of this calculator: daily, weekly, monthly, quarterly, semiannual, annual or continuous.
Are the results guaranteed?
No. Results depend entirely on the numbers you enter and the formulas shown on this page. Please do not make financial decisions based on them alone; confirm important figures with a licensed professional.
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