FD Calculator
Work out the maturity amount of a fixed deposit with quarterly, monthly or yearly compounding.
RD Calculator
Enter a monthly deposit, a rate and a tenure to see what the recurring deposit pays at maturity.
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How to use it
- Enter the monthly deposit and the interest rate.
- Enter the tenure in years or months.
- Read the maturity amount, interest earned and total deposited.
Questions people ask
How is RD maturity worked out?
Every monthly deposit earns interest for the months it stays in, compounded quarterly. The first deposit earns for the full tenure, the last for one month. Rs 1,000 a month for 12 months at 6% matures near Rs 12,400.
What if I miss an instalment?
Banks charge a small penalty per missed instalment and may stop the deposit after several misses. This tool assumes every deposit is paid on time.
RD or FD: which pays more?
At the same rate an FD earns more because the whole sum works from day one. An RD suits saving a fixed amount each month. Compare using the FD calculator with a lump sum.
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