Fixed Deposit Calculator
NewCalculate the maturity amount and interest earned on a fixed deposit (FD) or Certificate of Deposit (CD). Enter the principal, annual interest rate, compounding frequency, and tenure to see maturity value, total interest, and the advantage of compound vs simple interest. Fixed deposits are among the safest investments offering guaranteed returns — this calculator shows exactly what you will receive at maturity.
Fixed Deposit Calculator
Calculate maturity amount and interest for fixed deposits and CDs.
Principal
$50,000.00
Interest Earned
$3,068.18
Maturity Amount
$53,068.18
Compounding Bonus
$68.18
vs. simple interest
How to Use Fixed Deposit Calculator
- 1Enter principal amount
- 2Enter annual interest rate
- 3Set compounding frequency
- 4Enter tenure in years
- 5View maturity amount and total interest
Your Privacy is Protected
Fixed Deposit Calculator runs entirely in your browser. Your files and data are never uploaded to any server, never stored, and never shared. Everything happens locally on your device using secure browser APIs.
Frequently Asked Questions
What is the difference between simple and compound interest on FD?
Simple interest pays interest only on principal. Compound interest pays interest on principal plus accumulated interest, resulting in higher returns over time.
Are CDs FDIC insured?
Yes — US bank CDs are FDIC insured up to $250,000 per depositor per institution. They offer guaranteed returns with no risk to principal.
Why Use This Tool?
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