FD Returns Calculator
Fixed deposit maturity value with TDS and tax impact
Base rate — bonus added below for senior/staff
FD Settings
Compounding Frequency
Depositor Type
5-Year Tax Saving FD
80C deduction up to ₹1.5L
Your Tax Slab
Maturity Summary
Maturity Amount
₹5.74 L
Post-Tax Value
₹5.52 L
5.21% effective yield
Interest Earned
₹74,441
Tax on Interest
₹22,332
Effective Rate
7.00%
Growth Chart
Detailed Breakdown
Principal
Interest rate (effective)
Compounding
Gross maturity amount
Total interest earned
Tax on interest (30% slab)
Post-tax maturity value
Effective post-tax yield
→ Interest on FD is fully taxable at slab rate — it is NOT exempt even if reinvested.
→ File Form 15G (below 60) or 15H (senior) to prevent TDS if total income below basic exemption limit.
→ Banks typically compound quarterly. Monthly compounding gives slightly higher returns.
→ Compare: Bank FD effective yield vs debt MF / liquid fund post-tax (debt MF indexed gains vs FD slab-taxed interest).
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FAQ
FD Returns Calculator — FAQ
Common questions about this calculator
Yes, FD interest is taxed at your slab rate. TDS at 10% if interest exceeds ₹40,000/year.
Calculations are approximate and for educational purposes only. Excludes surcharge for income above ₹50L. Consult a Chartered Accountant for personalised tax advice.