FD / RD Calculator
Fixed and recurring deposit maturity, with premature-withdrawal penalty, TDS and laddering.
Fixed and recurring deposit maturity, with premature-withdrawal penalty, TDS and laddering.
Maturity amount
141,477.82 US$
Interest earned
41,477.82 US$
Invested
100,000.00 US$
Net interest (after TDS)
37,330.04 US$
TDS 4,147.78 US$
A Fixed Deposit locks a lump sum for a term at a fixed rate; a Recurring Deposit adds a fixed amount each month. Both earn compound interest until maturity.
Variable Definitions:
✅ Best used for:
⚠️ Limitations:
An FD invests a single lump sum; an RD invests a fixed amount every month. RD suits regular savers; FD suits a one-time surplus.
Breaking an FD early usually cuts the rate by a penalty. Laddering splits one deposit into several tenures so one matures each year, balancing liquidity and returns.