RD Calculator
Free RD calculator. Find the maturity amount and interest on a recurring deposit for any monthly deposit, interest rate and tenure — instantly and accurately.
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🔒 Calculated in your browser. Banks compound RD interest quarterly, so your actual maturity may differ slightly; this figure is indicative and shown before TDS.
Free RD Calculator
This free online RD calculator works out the maturity amount, total deposited and interest earned on a recurring deposit. Enter how much you save each month, the interest rate your bank offers and the tenure, and instantly see what your RD will be worth when it matures. It’s free, private and runs entirely in your browser — nothing you type is ever uploaded.
How to use the RD calculator
- Enter your monthly deposit — the fixed amount you’ll save every month.
- Set the annual interest rate your bank or post office offers on the RD.
- Choose the tenure in years and months.
- Click Calculate RD to see your maturity amount.
- Read the maturity, total deposited and interest in the result cards and breakdown chart.
How recurring deposits work
A recurring deposit lets you save a fixed amount every month for a set period, instead of investing one lump sum. Each monthly instalment starts earning interest from the month you pay it, and that interest is added back to your balance and earns more interest over time — this is the power of compounding. Because your first deposit compounds for the full tenure while your last deposit compounds for only a month, every instalment earns a different amount, and this calculator adds them all up for you month by month.
An RD differs from a fixed deposit (FD) in one key way: an FD locks away a single lump sum, while an RD spreads your saving across many small monthly deposits, which suits people with a regular salary. Most Indian banks compound RD interest quarterly, so a real bank statement may differ a little from any monthly estimate, and the figure shown here is indicative and before any TDS the bank may deduct on the interest.