FD Maturity Calculator
Calculate fixed deposit maturity for cumulative or interest payout options (monthly/quarterly/annual).
Last reviewed by the Radiatus Cloud team
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Work out what a fixed deposit will pay
A fixed deposit grows at a fixed interest rate over a set term, but the maturity value depends on whether interest compounds or is paid out. This calculator computes FD maturity for both the cumulative option and the interest-payout option (monthly or otherwise), so you can compare what you actually receive.
Cumulative versus payout
In a cumulative FD the interest is added back and compounds, so it grows faster and pays a larger lump sum at maturity. In a payout FD the interest is paid to you regularly, so the principal stays flat and you receive a steady income instead of growth. Which suits you depends on whether you need income now or a larger amount later, and the calculator shows both so the trade-off is concrete rather than abstract.
Compare your options
This is an estimate for planning from the figures you enter, not financial advice, and real outcomes depend on rates and rules that change. Confirm anything important with the relevant institution or a qualified adviser. The calculation runs entirely in your browser, so your financial figures are never uploaded.
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Frequently Asked Questions
What is the difference between cumulative and payout FDs?
A cumulative FD compounds the interest for a larger lump sum at maturity; a payout FD pays the interest out regularly, giving income while the principal stays flat.
Which option gives more money?
The cumulative option, because compounding grows the interest. The payout option gives less in total but provides regular income instead.
How is FD maturity calculated?
From the principal, the interest rate, the term and the compounding frequency for cumulative, or the periodic interest for payout.
Which should I choose?
Payout if you need regular income, cumulative if you want the largest amount at the end. The calculator shows both to compare.
Is this financial advice?
No. It is an estimate. Confirm the exact rate and terms with your bank.
Privacy & Security
Calculated locally in your browser. No data is sent to any server.
How to Use
Enter principal, rate, tenure, and payout option to calculate maturity and payouts.
Disclaimer: This tool is provided "as is" without warranty of any kind. Results are for educational and utility purposes.
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