About this recurring deposit (rd) calculator
Project the maturity value of a recurring deposit (RD), where you deposit a fixed amount every month and interest compounds quarterly — the common structure Indian banks use. Enter your monthly deposit, annual interest rate, and tenure in months; the tool simulates each month's deposit and applies compounding at the end of every completed quarter, then reports the maturity amount, total invested, 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 the recurring deposit (rd) calculator works
Simulates month by month: each month adds your deposit to the running balance, and every third month the balance is multiplied by (1 + annual rate/4/100) to apply one quarter's compounding.
Recurring Deposit (RD) Calculator examples
₹1,000/month; 8% annual rate; 3 months
₹3,060 maturity amount
₹1,000/month; 8% annual rate; 6 months
₹6,181.20 maturity amount
Limitations & privacy
Interest is only credited at the end of each completed quarter; a tenure that isn't a multiple of 3 months leaves the final partial quarter's deposits uncompounded, which slightly understates real-world maturity value. 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.
Recurring Deposit (RD) Calculator: frequently asked questions
How does the recurring deposit (rd) calculator work?
Simulates month by month: each month adds your deposit to the running balance, and every third month the balance is multiplied by (1 + annual rate/4/100) to apply one quarter's compounding.
What can I inspect in the recurring deposit (rd) calculator result?
The recurring deposit assumptions helps you check the result before using it. Interest is only credited at the end of each completed quarter; a tenure that isn't a multiple of 3 months leaves the final partial quarter's deposits uncompounded, which slightly understates real-world maturity value. For planning only, not a bank's official maturity certificate.
Does the recurring deposit (rd) calculator upload my input?
Processing happens in your browser. No tool input or output is uploaded to a server. Use Reset to clear the current workspace before starting a separate task.
Updated September 20, 2026