Fixed Deposit Calculator with Detailed Breakdown

FD Calculator with Monthly Breakdown - Calculate Returns on Fixed Deposits

The FD Calculator with Monthly Breakdown by SiD X Tool helps you accurately calculate the maturity value of your fixed deposit investment, along with a clear monthly interest breakdown. Whether you're investing in a bank FD, corporate deposit, or post office scheme — this calculator gives you a detailed insight into how your money grows month by month.

📊 What This FD Calculator Offers

• ✅ Total maturity amount
• ✅ Interest earned over the full tenure
• ✅ Monthly interest breakdown table
• ✅ Visual chart of interest accumulation (optional)

📐 Formula Used

Compound Interest Formula:

FV = P × (1 + r/n)^nt

• P = Principal amount
• r = Annual interest rate (in decimal)
• n = Compounding frequency (12 for monthly)
• t = Time (in years)

🛠️ Input Fields

• 💰 Principal Investment (₹)
• 📅 Deposit Tenure (months or years)
• 📈 Interest Rate (% p.a.)
• 🔁 Compounding Frequency (Monthly / Quarterly)

🎯 Key Features

• ⚡ Instant maturity and interest calculation
• 📆 Detailed monthly earnings table
• 📉 Optionally includes chart or graph view
• 📱 Mobile-friendly and responsive design
• 🆓 100% free, no login or subscription needed

📋 Example

• Principal: ₹1,00,000
• Tenure: 3 years
• Interest Rate: 7% per annum (compounded monthly)
• Maturity Value: ₹1,23,108 (approx.)
• Total Interest Earned: ₹23,108
• Monthly Breakdown: ₹500 to ₹750 increasing gradually

📚 Use Cases

• 💸 Comparing FD returns between banks or schemes
• 🏦 Planning retirement or tax-saving fixed deposits
• 📅 Tracking monthly interest earnings for income planning
• 📈 Understanding compound interest behavior
• 📊 Creating personal finance reports or investment records

FAQs – Frequently Asked Questions

• Q: Is this calculator suitable for tax-saving FDs?
  A: Yes, you can use it for 5-year tax-saving fixed deposits too.
• Q: Can I change the compounding frequency?
  A: Yes, select Monthly, Quarterly, or Yearly based on your scheme.
• Q: Will I see monthly interest updates?
  A: Yes, a full monthly breakdown table is provided.
• Q: Is this calculator free?
  A: Absolutely! It’s free to use and doesn’t store your data.

Conclusion

The FD Calculator with Monthly Breakdown by SiD X Tool gives you a clear picture of your fixed deposit investment — from total returns to every month’s interest earnings. Whether you're investing long-term or short-term, this tool helps you make informed financial decisions and visualize how your savings grow over time. Try it now and plan your wealth with confidence!