Financial Calculators — Investment Calculators for India
Good financial decisions start with good numbers, and this is your one-stop hub for the calculators that Indian investors and savers reach for most. Whether you are working out how a monthly SIP will compound into a retirement corpus, comparing the EMI on a home loan, estimating the maturity value of a PPF or fixed deposit, or checking the CAGR your portfolio has delivered, you will find a purpose-built tool here — all free and requiring no sign-up. Each calculator uses Indian conventions: values are shown in rupees, deposit tools reflect current PPF and FD norms, and the tax calculator follows Indian income tax slabs. Beyond the basics, you can plan early retirement with the FIRE calculator, project your goals with the goal planner, work out the impact of inflation on your savings, and estimate trading costs with the brokerage and margin calculators. Pick a calculator below, adjust the inputs to match your situation, and see instant results with clear charts and year-by-year breakdowns to guide your planning.
FD Calculator — Fixed Deposit Returns
Estimate your fixed deposit maturity amount and total interest earned before locking in your money. Enter the deposit amount, interest rate, tenure, and compounding frequency to see a complete breakdown. The calculator supports monthly, quarterly, half-yearly, and annual compounding so you can match it to your bank's actual terms. Whether you are parking emergency funds or laddering FDs for regular income, knowing the exact maturity value helps you plan around it confidently.
FD Calculator
Fixed deposit maturity
Results
Adjust the sliders and click Calculate
Frequently Asked Questions
How does fixed deposit interest compounding work?
Banks compound FD interest at regular intervals — monthly, quarterly, half-yearly, or yearly — depending on the bank and the scheme. With quarterly compounding (the most common), interest earned each quarter gets added to the principal, so the next quarter earns interest on a higher amount. This is why the effective yield on an FD is slightly higher than the stated annual rate.
Is FD interest taxable in India?
Yes, interest earned on fixed deposits is fully taxable under "Income from Other Sources." If total FD interest from a bank exceeds Rs 40,000 in a year (Rs 50,000 for senior citizens), the bank deducts TDS at 10%. You still need to report the full interest in your tax return and pay tax at your applicable slab rate. Tax-saver FDs offer a Section 80C deduction on the principal but the interest is still taxed.
Should I choose cumulative or non-cumulative FD?
Cumulative FDs reinvest the interest and pay everything at maturity, which means you benefit from compounding and get a higher total return. Non-cumulative FDs pay interest at regular intervals (monthly or quarterly), which suits retirees or anyone who needs periodic income. If you do not need the cash flow, cumulative is almost always the better option for wealth creation.
Frequently Asked Questions
Which financial calculator should I use first?
It depends on your goal. If you are a salaried investor starting to build wealth, the SIP calculator shows how monthly mutual fund investments compound over time. Planning a home or car purchase? The EMI calculator breaks down your loan repayments. For tax-saving deposits, try the PPF and FD calculators, and for retirement, the FIRE and retirement planners help you estimate the corpus you will need.
Are these calculators accurate for the Indian market?
Yes. Every calculator on WealthOrbit is built with Indian conventions in mind — amounts are shown in rupees, the PPF calculator uses the current government-notified interest rate and 15-year lock-in, and the tax calculator reflects Indian income tax slabs. That said, the results are estimates for planning purposes; actual returns, interest rates and tax liabilities can change, so always confirm with your bank, fund house or a qualified advisor.
Do I need to pay or sign up to use these calculators?
No. All calculators on WealthOrbit are completely free to use and require no registration or login. You can run as many scenarios as you like, adjust the inputs, and see instant results with charts and breakdowns. Nothing you enter is stored against an account — the calculations happen right in your browser so you can plan your finances privately and without any cost.
What is the difference between the SIP, lumpsum and CAGR calculators?
The SIP calculator projects returns when you invest a fixed amount every month, while the lumpsum calculator handles a one-time investment growing over a period. The CAGR calculator works the other way — it tells you the compounded annual growth rate an investment actually delivered between two values. Use SIP and lumpsum to plan future investments, and CAGR to measure the past performance of a stock, fund or portfolio.