Compound Interest / FD Calculator
See what a bank FD or any investment grows to with compound interest. Bank FDs usually compound every quarter.
Quick answer
₹1 lakh, 7.1%, 5 years (quarterly): ₹1,42,175.
How it is calculated
- Maturity = principal × (1 + rate ÷ (100 × n))^(n × years), where n is how often interest is added each year.
- For quarterly, n = 4: 1,00,000 × (1 + 7.1 ÷ 400)^20.
- Interest earned = maturity − principal.
Worked example
A ₹1,00,000 FD at 7.1% a year for 5 years, compounded quarterly, pays ₹1,42,175 at maturity; interest earned ₹42,175.
| Principal | ₹1,00,000 |
| Rate | 7.1 % / yr |
| Time | 5 years |
| Compounding | Quarterly (bank FD) |
| Maturity amount | ₹1,42,175 |
| Interest earned | ₹42,175 |
Formula
A = P×(1+R/(100×nC))^(nC×T) Maturity amount = A Interest earned = A-P
Good to know
- FD interest is taxable, and banks deduct TDS above the limit.
- Senior citizens usually get a slightly higher rate.
Questions people ask
What is the compound interest formula?
A = P × (1 + r/n)^(n×t). Interest = A − P.
How often do bank FDs compound?
Most banks compound quarterly, so “Quarterly” is selected above.
How long to double my money?
Rule of 72: 72 ÷ interest rate. At 7.2%, about 10 years.
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Updated 13 Nov 2026 · Desktop N Calculator v1.2.0