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FD Calculator

Maturity value of a cumulative fixed deposit, compounded quarterly by default. The rate is fixed the day you open it and does not move.

No market riskGuaranteed returnUntil maturity — premature withdrawal usually carries a rate penalty

Maturity value

AED 141,478

after 5 years at the return you assumed

You invest

AED 100,000

Estimated gains

AED 41,478

Absolute return

41.5%

total gain on money in

Annualised (CAGR)

7.19%

money held throughout

How it builds up

Maturity valueAED 141.48K

Invested70.7%
Gains29.3%

Show what it is worth in today’s money

Maturity value

AED 141,478

Gains

AED 41.48K

What the number above does not tell you

A maturity figure is only half the picture. These are the terms attached to it.

Risk: No market risk
Guaranteed by: Contractual rate agreed with the bank. Whether deposits are insured, and up to what limit, depends on your country's scheme.
Lock-in: Until maturity — premature withdrawal usually carries a rate penalty
Liquidity: Moderate — breakable, at a cost
Tax treatment: Depends on the rules in United Arab Emirates, which we have not documented yet. Check with a local adviser before relying on any after-tax figure.

Worth weighing before you commit

Interest is taxable at your slab rate, so a 7% FD returns roughly 4.9% after tax in the 30% bracket.
If inflation runs above your post-tax return, the deposit loses purchasing power despite the balance rising.
DICGC insurance covers ₹5 lakh per bank per depositor — spread larger sums across banks.

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Please note: this is a calculator, not financial advice, and we are not an adviser, broker or distributor. The figures are arithmetic on the inputs you supply. The return you enter is an assumption; past performance does not predict future returns and no market investment guarantees a result. Taxation depends on your own circumstances and on rules that change. For a decision of any size, speak to a SEBI-registered investment adviser or a qualified chartered accountant.

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What the number above does not tell you

A maturity figure is only half the picture. These are the terms attached to it.

Risk

No market risk

Guaranteed by

Contractual rate agreed with the bank. Whether deposits are insured, and up to what limit, depends on your country's scheme.

Lock-in

Until maturity — premature withdrawal usually carries a rate penalty

Liquidity

Moderate — breakable, at a cost

Tax treatment

Depends on the rules in United Arab Emirates, which we have not documented yet. Check with a local adviser before relying on any after-tax figure.

Worth weighing before you commit

Interest is taxable at your slab rate, so a 7% FD returns roughly 4.9% after tax in the 30% bracket.
If inflation runs above your post-tax return, the deposit loses purchasing power despite the balance rising.
DICGC insurance covers ₹5 lakh per bank per depositor — spread larger sums across banks.