Practical calculator
FD & RD Maturity Comparison Calculator
Model a fixed deposit made now and a recurring deposit made monthly over the same term. Compare maturity, interest and total cash deposited, using the rate and compounding assumptions you enter.
বাংলায় ব্যবহার নির্দেশনা
FD-এর এককালীন টাকা, RD-এর মাসিক টাকা, rate ও মাস দিন। দুই plan-এ মোট জমা টাকা আলাদা হলে শুধু maturity দেখে ভালো investment নির্ধারণ করবেন না।
Calculation result
Formula and calculation method
Growth for m months = (1 + annual nominal rate/100/frequency)^(frequency × m/12). FD maturity = principal × growth(term). RD maturity adds the grown value of each monthly deposit to the common term end. Beginning-month deposits earn one month more than end-month deposits.
Worked example
At 0% for 12 months, ₹1,00,000 FD remains ₹1,00,000 and ₹5,000 monthly RD totals ₹60,000. At 12% nominal with monthly compounding for 12 months, ₹1,00,000 FD grows to about ₹1,12,682.50. Deposit timing changes RD interest, not the deposited amount.
Assumptions and limitations
This is an equal-period mathematical model, not a bank quote. Fractional compounding periods use equivalent growth; actual bank day-count rules, RD formulas, rate changes, missed instalments and rounding may differ. Tax, early-withdrawal penalties and deposit protection are not calculated.
Your entries are used in your browser for this calculation. Entered values are not included in calculator analytics. CSV files are downloaded to your device; no account is required.
Frequently asked questions
Does the tool use live bank rates?
No. Enter the rate from your provider and verify its compounding and timing rules.
Why does beginning-month RD earn more?
Each deposit has one additional month of growth in this model. Actual bank timing rules may differ.
Sources and editorial check
FD calculation reference · RD calculation reference. Examples and method checked 15 October 2026. No independent professional review is claimed.