Calculate, compare and plan your money with free tools for FD, RD, SIP, SWP, lumpsum investments, returns, inflation, retirement and financial goals.
Financial Investment & Return Analysis Report
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Detailed maturity, interest, tax and inflation-adjusted estimates.
Add custom lump-sum deposits that earn interest from their specific deposit date.
Define different interest rates across specific period dates (e.g. Rate revisions).
* Estimated tax only applies to gross interest, not principal deposit. Actual tax liability may vary.
Shows the real purchasing power of your maturity value in today's currency units.
Based on 5 Year Fixed Deposit at 7.00% p.a.
| Year | Opening | Deposits | Interest | Tax | Closing Balance |
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Transaction and compounding schedule
| Date | Event / Desc | Opening | Deposit | Rate | Interest | Closing |
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Use the FD calculator above to estimate the maturity value of a lump-sum fixed deposit. Enter your deposit amount, interest rate, tenure and compounding frequency to see estimated principal, gross interest, tax and maturity value.
The RD calculator estimates returns when you make recurring deposits at a monthly or quarterly frequency. You can also use the advanced settings to model additional deposits and changing interest rates over time.
Optional tax and inflation settings help you understand the difference between a gross return, an estimated post-tax return and an inflation-adjusted value. These are planning estimates and should not be treated as tax advice or a bank's official maturity calculation.
The calculator supports multiple currencies, custom deposit schedules, variable interest rates, yearly summaries, a detailed calculation ledger, Excel export and printable reports.
Choose the tool that matches your financial question — investing, deposits, planning or comparing investment scenarios.
Estimate SIP corpus, investment, returns and inflation-adjusted value.
Model regular withdrawals and estimate remaining corpus.
Project the future value of a one-time investment.
Calculate annualized compound growth between two values.
Calculate annualized returns for cash flows on different dates.
Estimate absolute and annualized return over a holding period.
Practical guides explaining SIP, CAGR, XIRR, FD, RD, inflation, retirement planning and more—with calculators to help you explore the numbers.
Understand systematic investing, contributions, compounding and SIP assumptions.
InvestingUnderstand the different cash-flow patterns and how to compare them.
InvestingLearn how compound annual growth rate describes annualized growth.
DepositsUnderstand the difference between lump-sum and recurring deposits.
PlanningSee how rising prices affect purchasing power and financial planning.
PlanningLearn the key assumptions behind retirement-corpus planning.
Everything you need to know about deposits, compounding, and tax calculation.
A Fixed Deposit (FD) involves depositing a single lump-sum amount at the start for a fixed duration at a predetermined interest rate. A Recurring Deposit (RD) allows you to deposit a fixed installment amount every month or quarter continuously over the tenure.
Compounding frequency determines how often earned interest is added back to your principal balance. More frequent compounding (e.g., monthly vs. yearly) yields higher returns because interest starts earning interest sooner.
Interest earned on FDs and RDs is taxable income based on your tax slab rate. Tax applies only to the gross interest portion earned over time, never to your initial principal deposit.
Inflation decreases purchasing power over time. The inflation-adjusted value discounts your final maturity amount by your selected annual inflation rate, reflecting what your future money will actually be worth in today’s purchasing power.
Yes! Use the Advanced sections under "Additional Deposits Schedule" to add top-up deposits on specific dates, or "Variable Interest Rate Schedule" to simulate rate revisions.
