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Investment / Deposit Calculators
SIP, RD, TD, Annuity Calculators

Use calculators for all types of Investment / Deposit accounts at Banks, Post Offices or other Institutions viz. Recurring Deposit (RD), Systematic Investment Plan (SIP), Term / Fixed Deposit (TD / FD), FCNR, Annuity accounts. These calculators will help you in taking an informed decision on investments in banks / post offices / other institutions.

Monthly Instalment
Interest Rate
Interest Compounding
Period (months)
Maturity Value
Return on Investment (RoI)

Investment Periodicity
Monthly Instalment
Quarterly Instalment
Interest Rate
Interest Compounding
Period (months)
Maturity Value
Return on Investment (RoI)

Compare maturity and RoI of RD / SIP accounts for different Interest Rate, Monthly Instalment, Period of Investment and Interest Compounding frequency
Option 1Option 2
Monthly Instalment
Interest Rate
Interest Compounding
Period (months)
Option 1Option 2
Maturity Value
Return on Investment (RoI)
Compare maturity and RoI of FD / TD accounts for different Interest Rate, Monthly Instalment, Period of Investment and Interest Compounding frequency
Principal
Interest Rate
Interest Compounding Interval
Period of Investment in months
Maturity Value
Return on Investment (RoI)

Option 1Option 2
Principal
Interest Rate
Interest Compounding Interval
Period of Investment in months
Option 1Option 2
Maturity Value
Return on Investment (RoI)

The Interest on domestic deposits is compounded in banks at quarterly intervals. Therefore, if depositor wants the interest payable at quarterly intervals, the interest is paid without any discounting. However, if a depositor wants interest payment at monthly intervals, The interest is paid at discounted rate.
Principal
Rate of Interest
Interest Payable Monthly (at discounted rate)
Interest Payable Quarterly (without discounting)

The Interest on FCNR ( Foreign Currency Non-Resident ) deposits is compounded at half-yearly intervals. Therefore, if depositor wants the interest payable at half-yearly intervals, the interest is paid without any discounting. However, if a depositor wants interest payment at monthly or quarterly intervals, The interest is paid at discounted rate.
Principal
Rate of Interest
Interest Payable Monthly(at discounted rate)
Interest Payable Quarterly(at discounted rate)
Interest Payable Half Yearly(without discounting)

Annuity is monthly / quarterly amount ( like pension ) payable by banks and other institutions for investment of a lump sum amount of deposit for a fixed period of time. The annuity is payment of principal and interest in equal instalment over the term of investment. As the principal and interest are being paid periodically, the balance available after the end of period for which the amount was invested becomes Nil. The scheme is suitable for retired persons, who have lump sum amount to invest and need periodical payments for meeting their day to day expenses.
Lump Sum Amount of Deposit
Interest Rate
Period of Investment in months
Annuity Payment Interval
Amount of Annuity payable
( The calculations are based on quarterly compounding of interest. )

This calculator helps you to take a decision whether it will be advantageous to invest interest bearing securities / schemes. If the inflation rate is high, the real rate of return on your investment may be negative.
Amount of Investment
Interest Rate
Interest Compounding Interval
Period of Investment in months
Inflation Rate
Actual Return
Real Return
Real Rate of Return
( The calculations are based on annual compounding of Inflation Rate. )

Updated : Sept 10, 2020
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