FD Calculator India | Fixed Deposit Interest & Maturity Tool
Free FD calculator India. Calculate fixed deposit maturity values, interest earned, and payout options for SBI, HDFC, ICICI, and Post Office FDs reliably.
Compounding & Wealth Creation Formula
FV = P × [((1 + r)^n – 1) / r] × (1 + r)
- FV (Future Value): Estimated total maturity corpus
- P (Periodic Payment): Monthly SIP investment amount
- r (Periodic Return Rate): Expected Annual Return Rate ÷ 12 ÷ 100
- n (Tenure in Months): Investment tenure in years × 12
Power of Compounding Example: Investing ₹10,000 every month for 20 years at a historical 12% equity CAGR results in total invested capital of ₹24 Lakh turning into an accumulated wealth corpus of ₹99.91 Lakh (≈ ₹1 Crore) — generating ₹75.91 Lakh purely in compounding interest gains.
SIP Wealth Accumulation Matrix (Estimated Corpus @ 12% CAGR)
- ₹5,000 / month: 5 Yrs: ₹4.12 Lakh • 10 Yrs: ₹11.62 Lakh • 15 Yrs: ₹25.23 Lakh • 20 Yrs: ₹49.96 Lakh • 25 Yrs: ₹94.88 Lakh
- ₹10,000 / month: 5 Yrs: ₹8.25 Lakh • 10 Yrs: ₹23.23 Lakh • 15 Yrs: ₹50.46 Lakh • 20 Yrs: ₹99.91 Lakh • 25 Yrs: ₹1.90 Crore
- ₹25,000 / month: 5 Yrs: ₹20.62 Lakh • 10 Yrs: ₹58.09 Lakh • 15 Yrs: ₹1.26 Crore • 20 Yrs: ₹2.50 Crore • 25 Yrs: ₹4.74 Crore
- ₹50,000 / month: 5 Yrs: ₹41.24 Lakh • 10 Yrs: ₹1.16 Crore • 15 Yrs: ₹2.52 Crore • 20 Yrs: ₹5.00 Crore • 25 Yrs: ₹9.49 Crore
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Frequently Asked Questions (FAQs)
- How much monthly SIP is needed to accumulate ₹1 Crore?
- At an assumed 12% annual equity return: 1) ₹10,000/month for 20 years, 2) ₹16,000/month for 15 years, or 3) ₹32,000/month for 10 years creates a ₹1 Crore corpus. Starting early cuts the monthly commitment by over 65%.
- What is a Step-Up SIP and how does it accelerate wealth?
- A Step-Up (Top-Up) SIP automatically increases your monthly investment by a fixed percentage (e.g., 10% annually) in line with annual salary increments. A ₹10,000 monthly SIP with a 10% annual top-up yields ₹1.82 Crore in 20 years at 12%, compared to ₹1.00 Crore without top-up.
- How are Mutual Fund capital gains taxed in India (FY 2026-27)?
- For Equity Mutual Funds: Long-Term Capital Gains (LTCG held >12 months) are taxed at 12.5% on gains exceeding ₹1.25 Lakh per financial year. Short-Term Capital Gains (STCG held ≤12 months) are taxed at 20%. Debt mutual fund gains are taxed at your applicable income tax slab rates.
- What is the current PPF interest rate and tax benefit?
- The government-backed Public Provident Fund (PPF) offers a 7.1% per annum interest rate, compounded annually with full EEE (Exempt-Exempt-Exempt) tax status under Section 80C. Maximum deposit is ₹1.5 Lakh per financial year with a 15-year maturity period.
- Can I stop or pause my SIP anytime without penalty?
- Yes. Mutual fund SIPs offer complete flexibility. You can pause, modify, or stop your SIP anytime through your AMC or investment platform without any cancellation charges or penalties.