RD Calculator
Recurring deposit maturity value for a fixed monthly deposit, compounded quarterly.
The post office five-year RD pays 6.7%; banks typically pay 6–7.5%.
Enter your monthly deposit
The maturity amount, the total you deposit and the interest earned appear here.
Runs entirely in your browser. Your data isn't uploaded — this page makes no network request with anything you type or upload, which you can verify in your browser's network tab. How this works.
What is the RD Calculator?
An RD calculator shows what a recurring deposit will be worth when it matures. Enter the amount you deposit every month, the interest rate and the tenure, and it shows the maturity amount, the total you will have deposited and the interest earned on top.
Banks and the post office calculate RD interest with quarterly compounding: each month’s instalment earns compound interest for the time it stays in the account, so the first instalment earns the most and the last one the least. This calculator adds up every instalment that way, so its answer matches the maturity value a bank quotes. Everything is calculated in your browser.
How to use it
- Enter your monthly deposit, or pick one of the quick amounts.
- Enter the annual interest rate.
- Enter the tenure in years and months.
- Read the maturity amount, total deposited and interest earned.
Example
₹5,000 a month in a post office RD at 6.7% for 5 years.
Monthly deposit: ₹5,000 Rate: 6.7% a year Tenure: 5 years
Total deposited: ₹3,00,000 Interest earned: ₹56,829 Maturity amount: ₹3,56,829
Features
- Quarterly compounding on every instalment, as banks and the post office calculate it
- Tenure in years and months
- Deposits versus interest at a glance
- Works for bank RDs and the post office five-year RD
- Nothing is uploaded — your figures stay in your browser