NubraNubra FD Calculator
Estimate the maturity value and interest earned on a cumulative fixed deposit using your deposit amount, rate and tenure.
3 years
Interest breakdown
Year-end balancesOverview
What is an FD Calculator?
An FD calculator estimates how much a fixed deposit could be worth at the end of its tenure. Enter the deposit amount, annual interest rate, tenure and compounding frequency to see the estimated interest and maturity value. This calculator models a cumulative deposit, where interest stays invested until maturity.
Quick start
How to use the FD Calculator
- 01
Enter your deposit amount
Add the amount you plan to place in a fixed deposit.
- 02
Add your FD terms
Enter the annual rate, tenure and compounding frequency from your provider's offer.
- 03
Check the maturity estimate
Review the interest and total maturity amount. Change the inputs to compare different terms.
The calculation
How is FD maturity calculated?
- M
- P × (1 + R/(100n))n × t
- Estimated interest
- M − P
The maturity amount of a cumulative deposit with interest reinvested each compounding period.
The maturity amount less the original deposit.
- M
- Maturity amount
- P
- Deposit amount
- R
- Nominal annual interest rate as a percentage
- n
- Compounding periods per year
- t
- Tenure in years
Your results
Understanding your FD estimate
Deposit amount
The principal placed in the deposit at the start.
Estimated interest
The projected interest accumulated during the tenure.
Maturity amount
Your original deposit plus estimated accumulated interest.
Cumulative interest
Interest remains in the deposit and contributes to future interest. This estimate does not represent periodic interest payouts.
Why use it
Compare fixed deposit scenarios clearly
Estimate maturity
See the projected amount available at the end of the tenure.
Compare quoted terms
Change the rate and tenure to evaluate different offers using the same assumptions.
Understand interest growth
Separate your principal from the estimated interest.
Plan around a time horizon
Explore how deposit size and tenure affect the maturity estimate.
Does this calculator use live bank FD rates?
No. Enter the rate quoted by your bank or deposit provider. The default rate is illustrative.
Does it calculate monthly interest payouts?
No. This version models a cumulative FD with interest reinvested until maturity.
Can senior citizens use this calculator?
Yes. Enter the rate applicable to your offer. The calculator does not add a senior-citizen rate benefit automatically.
Are tax and TDS deducted?
No. Results are shown before tax, TDS and other deductions. The calculator does not estimate your final tax liability.
Why can my provider's maturity amount differ?
Providers may use different compounding, day-count, incomplete-period and rounding rules. The calculation also excludes deductions and penalties.
What if I withdraw the FD early?
The displayed estimate assumes the full selected tenure. Early withdrawal may change the applicable interest and involve a penalty; check your provider's terms.
Estimates a cumulative FD with reinvested interest. Actual maturity depends on your provider's compounding and day-count rules. Taxes, TDS and premature-withdrawal penalties are excluded. This calculator is for illustration only and is not investment advice.