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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.

RD / SIP Calculator with RoI and year-wise details

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

SIP Calculator with RoI and year-wise details

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

Compare RD / SIP Options

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)

TD / FD Maturity Value Calculator with RoI and year-wise details

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)

Compare TD / FD Options

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

TD / FD Periodical Interest Payable Calculator

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)

FCNR Deposit Periodical Interest Payable Calculator

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)

Calculate Annuity amount payable periodically for a lump sum deposit for fixed period

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. )

Calculate the Real Rate of Return taking into account the expected Rate of Inflation

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. )

Simple / Compound Interest Calculator

Amount
Interest Rate
Select Interest Type
Compounding Frequency
Period (months)
Interest Amount
Effective Rate of Return

If you like the calculators on this page by Karvitt (formerly Finotax), please share it with your friends / colleagues else send us your suggestions to improve it.

Updated : Sept 10, 2020