Does this include TDS?

No. It shows gross maturity. Tax depends on your PAN and yearly interest.

This box is for cumulative style. Payout FDs give less corpus at end.

Why bank app shows 200 more?

They may use exact days or a special senior slab. Small gaps are normal.

Can I add yearly top-up?

Not here. Recurring deposit tool is closer for monthly adds.

FD Calculator

Banks advertise a rate. Maturity is still a small puzzle because compounding frequency changes the last rupee. This is a working FD box.

Result breakdown

Maturity amount: ₹2,82,956
Interest earned: ₹82,956
Principal: ₹2,00,000
Tenure: 5.00 years

This is an estimate, not an official figure.

How to use

Principal is what you put in today.
Rate is the yearly FD rate from the bank sheet.
Pick how often they compound. Quarterly is the usual retail FD setting.

One example

₹2,00,000 for 5 years at 7% quarterly comes close to ₹2,83,000 maturity. Interest is the gap. Senior citizen rate would sit a bit higher if you change the rate box.

Common mistakes

Using the savings account rate by habit.
Ignoring TDS if interest in a year crosses the limit they follow.
Thinking premature break still pays the same maturity.

FAQs

Does this include TDS?: No. It shows gross maturity. Tax depends on your PAN and yearly interest.
Monthly payout FD?: This box is for cumulative style. Payout FDs give less corpus at end.
Why bank app shows 200 more?: They may use exact days or a special senior slab. Small gaps are normal.
Can I add yearly top-up?: Not here. Recurring deposit tool is closer for monthly adds.

Related tools

This is an estimate, not an official figure. CalcInHand is not a bank, Income Tax, GST or electricity board tool. Confirm important numbers on the official portal.