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 $
Interest earned
41 477,82 $
Invested
100 000,00 $
Net interest (after TDS)
37 330,04 $
TDS 4 147,78 $
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.