RD Calculator
Calculate Recurring Deposit
Returns & Maturity Amount
💰 Calculate your recurring deposit returns with India's most accurate RD calculator
Why This Calculator is Different
Advanced RD planning features
Unlike basic RD calculators, our tool provides comprehensive analysis with compound interest calculations, detailed growth tracking, and precise maturity amount projections.
RD Calculator
Calculate your recurring deposit returns
Total amount at maturity
Amount you will invest
Compound interest gains
Actual annual return
Growth Over Time
Track your RD investment growth month by month
Investment Breakdown Table
Detailed month-wise and year-wise analysis
| Year | Deposits (₹) | Interest (₹) | Balance (₹) |
|---|---|---|---|
| Year 1 | 60,000 | 1,820 | 61,820 |
| Year 2 | 1,20,000 | 7,781 | 1,27,781 |
| Year 3 | 1,80,000 | 18,158 | 1,98,158 |
| Year 4 | 2,40,000 | 33,250 | 2,73,250 |
| Year 5 | 3,00,000 | 53,370 | 3,53,370 |
General Disclaimer
This tool is for informational purposes only and does not constitute financial advice. All calculations are estimates based on the inputs provided and may not reflect actual results.
Financial markets and interest rates are subject to change, and actual returns or costs may vary significantly from the calculated estimates.
Please consult with qualified financial professionals before making any financial decisions.
About Recurring Deposits
Important: Interest rates typically range from 5.5% to 7.5% p.a. depending on the bank and tenure.
Real-World Example
RD Planning Guide
Smart Strategies
Important Considerations
Frequently Asked Questions
Get answers to common RD queries
What is a Recurring Deposit (RD)?▼
A Recurring Deposit is a savings scheme where you deposit a fixed amount every month for a predetermined period. It combines the benefits of regular savings with the higher interest rates of fixed deposits.
How is RD interest calculated?▼
RD interest is calculated using compound interest, typically compounded quarterly. The formula considers the monthly deposits and the compounding frequency to determine the maturity amount.
Can I withdraw my RD before maturity?▼
Yes, but premature withdrawal usually attracts a penalty of 1-2% on the interest earned. Some banks allow partial withdrawal after a certain period.
What happens if I miss an RD installment?▼
Missing installments usually attracts a penalty. However, you can make up for missed payments. If too many installments are missed, the account may be closed.
What is Effective Annual Rate?▼
Effective Annual Rate (EAR) is the annual interest rate that takes into account the compounding effect of monthly or quarterly payments. It is used to compare the profitability of different investment options.
What is the RD Calculator In-Depth Guide?▼
In-Depth RD Guide
Master recurring deposit planning with expert insights
Explore comprehensive information about recurring deposits, calculation methods, benefits, and strategic planning to maximize your systematic savings potential.
Understanding Recurring Deposits (RD)
RD Calculation Formula & Method
Benefits of Recurring Deposits
RD vs Other Investment Options
Tax Implications of RD
RD Investment Strategies
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