FD Calculator

Name: Vrid FD Calculator
Author: Vrid

Calculate your Fixed Deposit maturity value and interest earned

Investment Amount

₹

₹10K ₹1Cr

Total Investment

₹

₹1L ₹1Cr

Number of FDs

4 FDs

Maturity Interval

6 months apart

Interest Rate

% p.a.

4% 10%

Investment Amount

₹

₹1L ₹1Cr

Regular FD Rate

% p.a.

4% 10%

Flexi Rate Lower By

Tenure

Year

Expected Withdrawals

1 times/year

Avg Withdrawal Amount

₹

₹10K ₹5L

Funds Withdrawn For

15 days avg

Interest Rate

% p.a.

4% 10%

Investment Period Years

1 Yr 10 Yrs

Show Auto-Renewal Impact

Compounding Frequency

Interest Payout

Apply Income Tax Tax on FD interest at your slab rate

Adjust for Inflation Show real returns after inflation

Maturity Value ₹1.40L

Invested Amount ₹1,00,000

Interest Earned ₹40,255

Effective Rate 8.04%

Track all your FDs with Vrid

📊 Regular FD (if broken)

Booked Rate 7.0%

Actual Rate (after penalty) 5.5%

Would Have Earned ₹35,000

Actually Get ₹27,500

Lost to Penalty −₹7,500

🔄 Flexi FD

Interest Rate 6.5%

Interest Earned ₹32,500

Withdrawal Flexibility ✓ Yes

Net Returns ₹32,500

💡

Recommendation: With your expected withdrawals, Flexi FD saves you ₹1,000 compared to breaking a regular FD.

* Regular FD penalty assumed at 1% of interest earned when broken prematurely

Year-by-Year Growth

See how your FD grows each year

Invested

Interest

Year	Opening Balance	Interest	Closing Balance

Power of Compounding

Quarterly compounding gives better returns than yearly, as interest earns interest more frequently.

Safe Investment

Bank FDs up to ₹5 lakh are insured by DICGC, making them one of the safest investments.

Tax on Interest

FD interest is taxable as per your slab. Consider tax-saving FDs for Section 80C benefits.

FD Calculator

Cumulative FD

Non-Cumulative FD

Year-by-Year Growth

Power of Compounding

Safe Investment

Tax on Interest