FD Calculator - LokSevaPortal

FD Calculator

Enter your deposit amount, interest rate, and tenure to calculate your Fixed Deposit maturity value. Get a visual breakdown of your investment and a detailed year-by-year schedule.

Deposit Details

Total Investment (₹)

1,00,000

Interest Rate (% p.a.)

7.0%

Tenure (Years)

5 Years

Invested

Principal amount

Interest

Wealth gained

Maturity

Total return at end

Investment Breakdown

Investment

Interest Earned

Maturity Value

This calculator assumes quarterly compounding, which is the standard method used by most Indian banks.

Yearly Growth Schedule

Year-wise investment, interest earned, and closing balance

No calculation yet

Year	Opening Balance	Interest Earned	Closing Balance

What is a Fixed Deposit (FD)?

A Fixed Deposit (FD) is a secure financial instrument offered by banks and NBFCs. You deposit a lump sum amount for a fixed tenure and earn a guaranteed interest rate upon maturity. It is one of the safest investment options available.

How FD Interest is Calculated

In India, most banks compound FD interest on a quarterly basis. This means the interest is calculated and added to your principal every three months. The interest earned in the next quarter is calculated on this new, higher principal, leading to better returns than simple interest.

Why use this CSS-only tool?

This version is designed specifically for WordPress and Elementor. It is incredibly fast, purely relies on standard HTML/CSS/JS without heavy external charting libraries, and features a smooth, pure CSS ring chart. You can paste it directly into any HTML widget.

Frequently Asked Questions

In India, banks commonly use quarterly compounding for Fixed Deposits. This calculator uses the quarterly compounding formula [ A = P(1 + r/n)^(n*t) ] to ensure your results match actual bank payouts.

Yes, but premature withdrawals usually attract a penalty (generally 0.5% to 1%). The interest rate applied will be for the period the deposit was actually held with the bank, minus the penalty.

Yes. The interest earned on an FD is fully taxable as per your income tax slab. Banks will deduct a 10% TDS if the interest exceeds the specified limit in a financial year.

Absolutely. Copy the entire code block and paste it directly into Elementor's HTML widget. It contains no external dependencies and will render instantly.

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