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Calculate fixed deposit maturity value and interest earned.
Enter a deposit amount, rate and tenure to see the maturity value.
A = P x (1 + r/m)^(m x t)
P is the deposit, r the annual rate as a decimal, m the number of compounding periods a year and t the term in years.
A deposit of 2,00,000 at 7% for 5 years, compounded quarterly.
The maturity value is about 2,83,200, meaning roughly 83,200 in interest.
Interest is credited four times a year and then earns interest itself, so the effective yield is slightly higher than the stated rate.
Fixed deposit interest is generally taxable as income and banks may deduct tax at source. This calculator shows the pre-tax maturity value.
Most banks apply a penalty of around 0.5% to 1% on the applicable rate. Recalculate with the lower rate and the shorter term to estimate the payout.
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