Deposit Maturity Calculator
Find out the exact maturity amount and total interest for any fixed deposit or lump sum investment over any tenure.
Maturity Value
₹5.19 L
Total Invested
₹5.00 L
Est. Returns
₹18,926
Wealth Gain
3.8%
Breakdown
Invested: ₹5.00 L (96%)
Returns: ₹18,926 (4%)
📊 Interactive Growth Analysis
Invested vs Returns
Wealth Growth Over Time
Investment Scenario Comparison
| Metric | Your plan | +2% Returns (9.5%) | +5 Years (5yr) |
|---|---|---|---|
| Total Invested | ₹5.00 L | ₹5.00 L | ₹5.00 L |
| Maturity Value | ₹5.19 L | ₹5.24 L ↑ ₹5,106 | ₹7.52 L ↑ ₹2.33 L |
| Est. Returns | ₹18,926 | ₹24,032 | ₹2.52 L |
💡 How Deposit Maturity Amount is Calculated
The deposit maturity calculator computes how much your invested principal will grow to by the end of the deposit tenure, based on the interest rate and compounding frequency. For cumulative deposits (where interest is not paid out periodically), the formula is: Maturity Amount = Principal × (1 + r/n)^(n×t), where r is the annual interest rate, n is the compounding periods per year, and t is the tenure in years.
The difference between your maturity amount and the principal deposited is your total interest earned. This calculator is useful for planning across multiple deposit types: bank FDs, company FDs, post office time deposits (POTD), National Savings Certificate (NSC), and Kisan Vikas Patra (KVP) — all of which are essentially fixed-term deposit instruments with different rates, tenures, and tax treatments.
Where:
- P = Deposit principal amount
- r = Annual interest rate (as decimal)
- n = Compounding frequency per year
- t = Deposit tenure in years
📝 Worked Example
₹5,00,000 deposit at 7.5% for 3 years (quarterly)
Maturity = 5,00,000 × (1 + 0.075/4)^(12)= ₹6,24,238 (Interest earned: ₹1,24,238)