FD Calculator
Calculate fixed deposit maturity value, interest earned, and year-wise growth for Indian FD plans.
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Finance & Investment
RD Calculator
Calculate recurring deposit maturity value, total invested amount, and interest earned.
Maturity Value
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Estimate disclaimer:
Sample inputs are pre-filled so you can see a result quickly. Results are estimates only and may not be accurate because prices, interest rates, taxes, fees, fuel costs, tariffs, market returns, medical costs, and local rules can change. Please verify current values before making financial, tax, legal, medical, or business decisions.
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Default Sample Data
The fields below are pre-filled with example values so the calculator can show an instant demo result. Change any value to match your case.
Suggestion Type
Local smart rule-based estimate: Gizcalc currently uses deterministic formulas, scenario scoring, and rule-based suggestions. It does not call ChatGPT or a live external AI API unless you later connect an API key.
Disclaimer
Sample inputs are pre-filled so you can see a result quickly. Results are estimates only and may not be accurate because prices, interest rates, taxes, fees, fuel costs, tariffs, market returns, medical costs, and local rules can change. Please verify current values before making financial, tax, legal, medical, or business decisions.
About the RD Calculator
The RD Calculator estimates the maturity value of recurring monthly deposits. It is useful for savers who prefer disciplined bank deposits and want to know how much a fixed monthly contribution may become over a chosen tenure.
Recurring deposits can suit short and medium-term goals because the contribution amount is predictable. The trade-off is that post-tax and inflation-adjusted returns may be lower than market-linked products. Before choosing an RD, compare the maturity value with FD, SIP, inflation, and emergency-fund alternatives.
A recurring deposit is particularly useful for salaried individuals who can set aside a fixed amount from their salary every month without the complexity of managing a mutual fund or tracking market movements. The discipline embedded in an RD — a fixed monthly contribution that continues automatically — mirrors the same habit-building logic behind SIP investing, but without market risk.
However, the tax treatment of RD interest follows the same rules as FD interest, meaning the accrued interest is taxable each year. This can reduce the effective post-tax return meaningfully for users in higher tax brackets. The calculator helps you estimate this before committing to an RD so you can compare it fairly with tax-efficient alternatives like PPF or ELSS.
Gizcalc shows total invested amount, interest earned, maturity value, and a year-wise projection for quick planning.
Frequently Asked Questions
A recurring deposit is a bank deposit where you contribute a fixed amount every month for a chosen tenure.
In many cases, RD interest is taxable as per your slab. Check current tax rules before filing.
FD usually starts with a lump sum, while RD builds through regular monthly deposits.