Plan your savings with our free Fixed Deposit (FD) Calculator for FY 2025-26, tailored for Indian investors. Estimate the maturity amount and interest earned by entering your principal amount, annual interest rate, and tenure, with options for quarterly compounding or simple interest.
FDs offer a secure, fixed-income investment with guaranteed returns, making them ideal for risk-averse savers. Our tool provides accurate estimates to help you achieve your financial goals in FY 2025-26. Start investing smarter today!
An FD Calculator is an online tool that estimates the maturity amount and interest earned for a Fixed Deposit (FD) based on the principal amount, annual interest rate, and tenure.
FD maturity is typically calculated using the compound interest formula with quarterly compounding. For tenures less than 6 months, simple interest may be used, depending on the bank’s policy.
The minimum FD amount varies by bank, typically starting at ₹1,000 for most banks in FY 2025-26. Post office FDs may start at ₹100. Check specific bank or post office terms before investing.
Yes, FD interest is taxable under the investor’s income tax slab for FY 2025-26. TDS may apply if interest exceeds ₹40,000 (₹50,000 for senior citizens) annually, as per Income Tax rules.