Compute the maturity value of a recurring deposit.
Please do not make financial decisions based on these results.
What is the RD Calculator - Recurring Deposit?
Compute the maturity value of a recurring deposit. To use the RD Calculator - Recurring Deposit, enter monthly deposit, interest rate, months; it returns maturity value, total deposited, and shows them instantly as you type.
Where the RD Calculator - Recurring Deposit fits
Compute the maturity value of a recurring deposit. The main figure it returns is the Maturity value, worked out from the values you enter.
It belongs with the other india & pakistan finance tools. If you are comparing options or checking a result from another angle, try the PPF Calculator, TDS Interest Calculator or the EMI Calculator – Equated Monthly Installment.
How to use the RD Calculator - Recurring Deposit
- Fill in the fields. You will need Monthly deposit (₹), Interest rate (%), Months. Use real figures from your own records where you can. Fields marked optional can stay at zero.
- Read the result. The highlighted box gives the Maturity value, and the cards below show Total deposited. 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 RD Calculator - Recurring Deposit using the default values shown in the calculator above:
Inputs
| Monthly deposit (₹) | 5,000 |
|---|---|
| Interest rate (%) | 6.7 |
| Months | 60 |
Results
| Maturity value | ₹3,56,829 |
|---|---|
| Total deposited | ₹3,00,000 |
With these inputs the calculator returns Maturity value: ₹3,56,829. Change any value in the calculator to see how the result moves.
What if you change one input?
Sensitivity check: raising Monthly deposit (₹) from 5,000 to 6,000 (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 | ₹3,56,829 | ₹4,28,195 | +20% |
| Total deposited | ₹3,00,000 | ₹3,60,000 | +20% |
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 RD Calculator - Recurring Deposit reports Maturity value and total deposited. 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. The result is only as accurate as the numbers you enter and the formula shown above. It is for information, not financial, tax or legal advice.
Frequently asked questions
How is RD interest compounded?
Indian banks and post offices usually compound RD interest quarterly.
Why are results in rupees?
Indian tools show Indian rupees and Pakistani tools show Pakistani rupees, so the numbers match your statements.
Which Pakistan tax slabs are used?
The FY 2026-27 slabs enacted by the Finance Act 2026 (no surcharge on salary income), with the FY 2025-26 slabs and their 9% surcharge selectable for comparison.
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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