Free FD & RD Calculator
Fixed & Recurring
Deposit Calculator
Calculate exact maturity value for FD and RD — with TDS deducted and real post-tax returns shown. Know what you actually take home.
7.00–7.25%SBI FD (1–5 yr)
7.25–7.75%HDFC / ICICI FD
7.50–8.05%Small Finance Banks
7.50%Post Office TD
Fixed Deposit Details
Principal Amount
₹5,00,000
₹
Annual Interest Rate
7.25%
1%15%
Tenure
2 Years
yrs
mos
Compounding Frequency
Your Income Tax Slab
💡 TDS on FD/RD: Banks deduct TDS at 10% if total interest in a financial year exceeds ₹40,000 (₹50,000 for senior citizens). If your tax slab is lower than 10%, claim the excess as refund when filing ITR. Submit Form 15G/15H if income is below taxable limit to avoid TDS entirely.
🔎 FD interest is fully taxable as "Income from Other Sources" — added to your total income and taxed at your slab rate, not a flat rate. TDS is only an advance deduction; your final tax liability is determined at ITR filing.
Maturity Breakdown
Maturity Value
₹5,77,042
₹5L FD at 7.25% for 2 years, quarterly compounding
📋 TDS of ₹7,720 will be deducted by the bank (10% of interest above ₹40K). Your net in-hand after TDS: ₹5,69,322
Principal
₹5,00,000
Total Interest
₹77,042
TDS Deducted
₹7,720
Net Post-Tax Return
₹69,322
Principal ₹5,00,000
Net Interest ₹69,322
TDS ₹7,720
Interest as % of principal
15.4%
TDS as % of interest
10.0%
Share Results
Year-by-Year Interest Breakdown