通过有纪律的长期计划积累财富的家庭。
FD Calculator
Calculate your fixed deposit maturity value with quarterly compounding, TDS deduction, post-tax returns, and real return after inflation. Compare cumulative vs non-cumulative FDs. Senior citizen benefits included.
计算方法说明 - 方法论、公式及来源FD 到期金额
₹7,07,389
1.41× your deposit - ₹2,07,389 interest earned
Interest earned
₹2,07,389
29% of maturity
税后到期金额
₹6,45,172
Tax: ₹62,217 at 30%
收益分析
Losing purchasing power
Real return is -0.7% - your FD is losing value after tax and inflation. Consider equity or PPF for long-term goals.
到期构成
Monthly income (non-cumulative)
₹2,917
Simple interest payout
Inflation-adjusted value
₹5,28,602
Today's purchasing power
税务处理
No TDS deducted - annual interest is below the ₹50,000 threshold. Interest is still taxable at slab rate when filing ITR.
节税 FD（第 80C 条）
5-year lock-in period. Deduction available only under old tax regime.
FD Balance Growth
| Year | Interest | Balance |
|---|---|---|
| 1 | ₹35,930 | ₹5,35,930 |
| 2 | ₹38,511 | ₹5,74,441 |
| 3 | ₹41,279 | ₹6,15,720 |
| 4 | ₹44,245 | ₹6,59,965 |
| 5 | ₹47,424 | ₹7,07,389 |
FD rules: Most banks compound interest quarterly. Interest is taxable at your slab rate. TDS is deducted at 10% (20% without PAN) if interest exceeds ₹50,000/year. Submit Form 15G to avoid TDS if total income is below taxable limit. Tax-saving FDs (5-year lock-in) qualify for Section 80C deduction up to ₹1,50,000.