Banking
FD Calculator — Estimate in Seconds
Fixed deposit maturity with quarterly compounding, and the tax you will owe.
₹5 L
₹1,000₹5,00,000₹10 Cr
17%12
15 years10
Maturity amount
₹7,07,389
- Principal71%
- Post-tax interest21%
- Tax9%
- Interest earned
- ₹2,07,389
- Tax at 30%
- ₹62,217
- Post-tax interest
- ₹1,45,172
- Effective post-tax return
- 5.23%
Growth over time
ValueAmount you put in
What this means.In the 30% bracket, a 7% FD nets you 5.23%. With inflation near 5–6%, that is roughly break-even in real terms. Debt funds and arbitrage funds are usually more tax-efficient for money held over three years.
Worth knowing.Results are estimates based on the assumptions you enter. Actual outcomes depend on the exact terms offered to you, the compounding convention your institution uses, and tax law as it applies to your situation. Nothing here is personalised advice.
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