Toolwise

RD Calculator

Estimate the maturity value of a recurring deposit based on your monthly instalment, interest rate and tenure.

How to use RD Calculator

  1. 1Enter your monthly deposit amount.
  2. 2Enter the annual interest rate and tenure in months.
  3. 3View the maturity value, total deposited and interest earned.

About RD Calculator

A Recurring Deposit (RD) lets you invest a fixed amount every month at a guaranteed interest rate. This calculator estimates the maturity value based on your monthly deposit, rate and tenure, using quarterly compounding as most banks apply.

Benefits

  • Plan disciplined monthly savings with a predictable, guaranteed return.
  • Compare RD maturity value against SIP projections for a safer benchmark.

Common mistakes

  • Comparing RD returns directly with SIP/mutual fund returns without accounting for the very different risk profiles.

Frequently Asked Questions

Yes, RDs offered by banks carry a fixed, guaranteed interest rate for the full tenure, similar to fixed deposits.

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