FD Calculator
Fixed deposit calculator with TDS and bank rate comparison
Interest is compounded and paid at maturity along with the principal.
Maturity Amount
₹7,07,389
Principal
₹5,00,000
Total Interest
₹2,07,389
Effective Rate
7.00%
Post-Tax Yield
6.55%
TDS Deducted
₹20,739
Year-by-Year Breakdown
| Period | Year Interest | Cum. Interest | Balance |
|---|---|---|---|
| Year 1 | ₹35,930 | ₹35,930 | ₹5,35,930 |
| Year 2 | ₹38,511 | ₹74,441 | ₹5,74,441 |
| Year 3 | ₹41,279 | ₹1,15,720 | ₹6,15,720 |
| Year 4 | ₹44,245 | ₹1,59,965 | ₹6,59,965 |
| Year 5 | ₹47,424 | ₹2,07,389 | ₹7,07,389 |
Annual Interest
₹41,478
TDS Threshold
₹40,000
General limit
TDS Deducted
₹20,739
10% TDS applicable
Post-Tax Interest
₹1,86,650
Submit Form 15G/15H to avoid TDS if total income is below taxable limit. PAN must be linked.
₹25K Interest
Year 1 • ₹35,930
₹50K Interest
Year 2 • ₹74,441
₹1L Interest
Year 3 • ₹1,15,720
₹2L Interest
Year 5 • ₹2,07,389
Principal
₹5,00,000
Maturity
₹7,07,389
Effective Rate
7.00%
Multiplier
1.41×
Tenure
5 years
Category
General
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