About this fixed deposit (fd) calculator
Calculate the maturity value of a fixed deposit (FD) using quarterly compounding, the standard method most Indian banks use for FDs. Enter the deposit amount, annual interest rate, and tenure in years, and this tool reuses the same compound-interest formula as the Compound Interest Calculator, fixed to a quarterly compounding frequency, to project the total maturity amount and interest earned. Use this workspace to prepare a result you can review before putting it to use. All processing takes place on your device, without an account or an upload of your inputs. Check the examples to understand the expected output, read the limitations for the supported scope, and reset the form when you want to start a separate task.
How it works
Reuses the compound interest formula A = P × (1 + r/4)^(4×years), where r is the annual rate as a decimal — the same quarterly-compounding calculation as the Compound Interest Calculator.
Try these examples
₹100,000; 7% annual rate; 5 years
₹141,477.82 maturity amount
Same deposit
₹41,477.82 interest earned
Limitations & privacy
Assumes a fixed interest rate for the full tenure and quarterly compounding; some banks use different compounding frequencies or charge premature-withdrawal penalties not reflected here. For planning only, not a bank's official maturity certificate.
Inputs and results stay in this browser. Only tool identifiers are stored for your recently used tools. You can clear that history from the directory.
A few good questions
How is the result produced?
Reuses the compound interest formula A = P × (1 + r/4)^(4×years), where r is the annual rate as a decimal — the same quarterly-compounding calculation as the Compound Interest Calculator.
Are my inputs sent to a server?
No. Inputs and results are processed locally and are not uploaded or included in telemetry. Copying or downloading is your choice.
What are the limits of this tool?
Assumes a fixed interest rate for the full tenure and quarterly compounding; some banks use different compounding frequencies or charge premature-withdrawal penalties not reflected here. For planning only, not a bank's official maturity certificate.
Updated September 19, 2026