FD Calculator
Calculate maturity amount and interest earned on your Fixed Deposit. Compare different tenures and payout options.
What is Files360 FD Calculator?
Files360 FD Calculator estimates fixed deposit maturity value and interest earned. Compare cumulative vs. non-cumulative FDs with quarterly, monthly, and yearly compounding options — plan your FD investment with confidence.
How to Use Files360 FD Calculator
Enter Deposit Amount
Input the amount you plan to invest in the fixed deposit.
Set Interest Rate
Enter the annual FD interest rate offered by your bank. Check current bank FD rates for accuracy.
Choose Tenure
Select the FD duration in years. Longer tenure often earns higher interest rates.
Select Compounding
Choose the compounding frequency — quarterly is most common for bank FDs in India.
View Maturity Value
See the maturity amount, total interest earned, and compare cumulative vs. non-cumulative returns.
Key Features
Maturity Calculation
Calculate the exact maturity amount of your FD including compounded interest.
Interest Breakdown
See total interest earned as a separate amount and as a percentage of your principal.
Cumulative vs. Non-Cumulative
Compare FD options: cumulative (interest paid at maturity) vs. non-cumulative (periodic interest payouts).
Multiple Compounding
Quarterly, monthly, and yearly compounding options to match your bank's FD terms.
Bank FD Compatible
Uses the same compounding formula as Indian banks for accurate maturity projections.
Private & Free
Your financial data stays in your browser. No account needed, no data collected.
Files360 FD Calculator is a financial planning tool for estimating returns on bank fixed deposits. Fixed Deposits are one of the most popular and safest investment options in India, offering guaranteed returns at a fixed interest rate. Our calculator helps you project maturity amounts and compare different FD options before investing.
The calculator supports cumulative and non-cumulative FD comparison. Cumulative FDs compound interest quarterly (most common in India) and pay the total at maturity — resulting in higher effective returns. Non-cumulative FDs pay interest periodically (monthly or quarterly), providing regular income but slightly lower total returns.
Different banks offer different FD rates, and rates vary by tenure and depositor category (senior citizens typically receive 0.25-0.50% higher rates). The calculator lets you quickly compare scenarios — adjust deposit amount, rate, and tenure to find the optimal FD strategy for your financial goals.
All calculations use the standard compound interest formula employed by Indian banks. Your financial data remains completely private — calculations happen locally in your browser with no data transmitted to any server. Use the calculator freely to plan FD investments, compare bank rates, and project maturity values.
Frequently Asked Questions
💡 Tip: These tools work great together! Try combining them for your workflow.
💡 Tip: These tools work great together! Try combining them for your workflow.