Savings & deposits
FD Calculator
Fixed deposit maturity, with the post-tax figure alongside.
Your figures
Maturity amount
₹14,25,243
- Interest earned
- ₹4,25,243
- After tax on interest
- ₹12,97,670
- Post-tax return
- 5.01%
- Real return
- -0.94%
Post-tax return against the platform's 6.0% inflation assumption.
- At this rate and tax slab the deposit loses purchasing power. It may still be the right instrument for money you cannot risk — capital safety and real return are different objectives.
How this is calculated
Maturity = P × (1 + r ÷ 4)^(4 × years) for quarterly compounding.
Bank deposits compound quarterly by convention. Interest is taxable at your slab rate, which is why the post-tax return — shown here next to the headline — is the number to compare against inflation.
Assumptions used
- Fixed deposit rate7.15%
Any figure you enter overrides the assumption above for your calculation.
Educational calculation, not personal advice
This calculator is provided for education and illustration. It applies the assumptions shown to the figures you entered; it does not take account of your circumstances, goals, tax position or risk tolerance, and it is not a personal recommendation. Projections are not forecasts, and no return is guaranteed. Investment values can fall as well as rise. Speak to a qualified adviser before acting on anything here.
Want this checked against your actual position?
A calculator works with the numbers you give it. A planner works with the ones you have — including the tax, protection and liquidity questions this tool does not ask.
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