🗓️

RD Calculator

A fixed monthly deposit at a guaranteed rate. Interest accrues monthly and is capitalised each quarter, which is how banks and India Post actually run an RD.

No market riskGuaranteed returnUntil maturity — premature closure carries a penalty

Maturity value

$719,344

after 5 years at the return you assumed

You invest

$600,000

Estimated gains

$119,344

Absolute return

19.9%

total gain on money in

Annualised (XIRR)

7.18%

money-weighted

How it builds up

Maturity value$719.34K

Invested83.4%
Gains16.6%

Show what it is worth in today’s money

Maturity value

$719,344

Gains

$119.34K

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 closure carries a penalty
Liquidity: Moderate
Tax treatment: Depends on the rules in Australia, which we have not documented yet. Check with a local adviser before relying on any after-tax figure.

Worth weighing before you commit

Missing an instalment usually attracts a penalty and can affect the maturity value.
Like an FD, the interest is fully taxable at your slab rate.

Other calculators

📈SIP 💰Lumpsum 🏦FD 🛡️PPF 🌸SSY 🧓NPS 💼EPF

Compare these side by side All investment calculators

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.

Switching country…

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 closure carries a penalty

Liquidity

Moderate

Tax treatment

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

Worth weighing before you commit

Missing an instalment usually attracts a penalty and can affect the maturity value.
Like an FD, the interest is fully taxable at your slab rate.