Investment Capacity & Savings PlannerSynced Across Schemes
Set how much you can invest monthly or yearly. Switch schemes on the left without resetting your entered amounts.
Annual Savings Pool: ₹1,20,000.00
Monthly InvestmentRD · SIP · EPFper month
₹
₹10,000.00/mo
× 12 Months⇄ Synced
Yearly InvestmentFD · PPF · SSYper year
₹
₹1,20,000.00/yr
Quick Monthly Presets:
Fixed Deposit Calculator
Standard bank deposit with guaranteed quarterly compounding. Returns are taxable according to your income tax slab.
Total Deposit AmountOne-time lump sum deposit
₹
Synced with Investment CapacityMonthly equivalent: ₹10,000.00/mo
Rate of Interest (p.a)
7.25%
Official: 7.25%Adjustable
Time PeriodYears
5Y
1 YTerm / Lock-in10 Y
Your Income Tax SlabOld & New Tax Regimes (5% to 30%)
Taxed at SlabSenior Citizen (+0.50% Extra)Age 60 years and above
MATURITY VALUE
₹1,56,310.00
Gross was ₹1,71,871.00 before 30% tax
Total Investment₹1,20,000.00
Est. Returns+₹36,310.00
Portfolio BreakdownProportion Analysis
Net Gains21%of corpus
Principal Invested
₹1,20,000.00(70%)
Net Returns Earned
+₹36,310.00(21%)
Estimated Tax (30%)
-₹15,561.00(9%)
Inflation adjustment disabled
DICGC insured up to ₹5,00,000 per depositor per bank.
Official Scheme Dossier & RulesFY 2024–25 Guidelines
Complete Guide to Fixed Deposit Calculator
Official Rate:7.25% p.a.
Who Can Invest
Any Indian resident individual, minor (via guardian), HUF, or NRI (NRE/NRO).
Interest Compounding
Quarterly Compounding (re-invested every 3 months)
Premature Liquidity
Allowed anytime with 0.5%–1.0% interest rate penalty. (5-Year Tax Saver FDs cannot be broken before 5 years).
Tax Law (IT Act)
Taxed at Slab. Interest fully taxable under 'Income from Other Sources' at slab rate. TDS deducted under Section 194A if interest exceeds ₹40,000 (₹50,000 for senior citizens). Submit Form 15G/15H to avoid TDS if total income is below taxable threshold.
Key Advantages & Core Highlights
- DICGC insurance cover up to ₹5,00,000 (Principal + Interest) per depositor per scheduled bank.
- Loan facility available up to 90%–95% of the deposit amount at 1%–2% above deposit rate.
- Senior citizens receive an additional 0.50% p.a. (up to 0.75% in super senior schemes).
- Choice of cumulative maturity payout or regular monthly/quarterly income credit.
Limitations & Things to Watch Out For
- Low real post-tax returns; often fails to beat 6% CPI inflation in higher tax slabs (20%–30%).
- Full tax liability on accrued interest every year even if not withdrawn.
Who is this best for? Conservative investors, emergency fund holders, or retirees wanting guaranteed capital safety and predictable timelines without equity market risk.
All Fixed Schemes & SIP Benchmark Comparison
Quick comparative reference across interest rate, lock-in period, and tax treatment.
| Scheme Name | Authority / Backing | Interest Rate | Tenure / Lock-In | Tax Status | Compounding | Action |
|---|---|---|---|---|---|---|
Fixed depositsActive | Bank | 7.25% p.a. | 5 Years | Taxed at Slab | Quarterly Compounding | |
Recurring Deposit (RD) | Bank | 7% p.a. | 5 Years | Taxed at Slab | Quarterly Compounding on accumulating monthly instalments. | |
PPF (Tax-Free) | Government | 7.1% p.a. | 15 Years | 100% Tax Free (EEE) | Compounded Annually. Interest calculated on the lowest balance between the 5th and end of each month. | |
EPF / PF | Government | 8.25% p.a. | 20 Years | 100% Tax Free (EEE) | Monthly interest accumulation credited annually by the EPFO Board. | |
Sukanya Samriddhi | Post Office | 8.2% p.a. | 21 Years | 100% Tax Free (EEE) | Compounded Annually. Deposits required only for the first 15 years; continues earning interest until 21 years from account opening. | |
Senior Citizen (SCSS) | Post Office | 8.2% p.a. | 5 Years | 80C + Taxed at Slab | Simple interest paid out directly on quarterly basis | |
NSC (5 Year) | Post Office | 7.7% p.a. | 5 Years | 80C + Taxed at Slab | Compounded Annually and paid on maturity along with the principal. | |
Monthly Income (POMIS) | Post Office | 7.4% p.a. | 5 Years | Taxed at Slab | Simple interest calculated and paid out on monthly basis directly to savings account. | |
KVP (Doubles Money) | Post Office | 7.5% p.a. | 9.6 Years | Taxed at Slab | Compounded Annually. Formula-fixed maturity to exactly double the principal in 115 months. | |
SIP Calculator | Market | 12% p.a. | 10 Years | 12.5% LTCG | Continuous Market Compounding |