Estimated maturity after tax
₹6,61,219PERSONAL FINANCE WITH MORE CLARITY
FD & RD real-return calculator
Estimate fixed-deposit or recurring-deposit maturity, model annual interest-tax payments and see the inflation-adjusted value.
Total deposited
₹5,00,000Tax paid in this model
₹40,305Maturity in today’s rupees
₹5,18,083FOLLOW THE NUMBERS
See what changes
The FD is funded once at the start. A monthly-equivalent rate reflects your selected compounding frequency. Tax is paid from the deposit annually and at maturity.
Read this with your result
A planning estimate, not a bank maturity quote. Actual RD/FD day-count rules, tax payments, TDS, compounding dates and early-closure penalties may differ. TDS is not an additional tax here.
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Illustrative results only. Rates shown are user-selected assumptions, not product quotes or forecasts. Actual outcomes depend on markets, cash flows, costs and your circumstances.
BEHIND THE NUMBERS
How this calculation works
Monthly-equivalent interest = (1 + quoted annual rate / compounding frequency)^(frequency / 12) − 1. RD deposits arrive at the beginning of each month and earn that month’s interest.
Interest accrued on the model’s net balance is taxed at each year-end and on the final partial year. Tax is paid from the deposit; this reduces future compounding. The before-tax series is a separate no-tax comparison.
Real maturity = net maturity ÷ (1 + inflation)^(months / 12). Banks may use different day counts, RD conventions and compounding dates; this is not a contractual quote.
A FEW USEFUL ANSWERS
Before you make a plan
No. The effective tax input represents the total assumed tax, not an extra charge above TDS. Actual TDS, your tax liability and payment timing can differ.
Exact instalment dates, incomplete quarters, penalties and daily-interest conventions affect actual maturity. Compare the bank’s schedule before placing a deposit.
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