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FD vs RD Calculator India to Compare Deposit Returns
Estimate fixed deposit and recurring deposit returns, then compare maturity value and interest earned in one quick view.
Fixed Deposit (FD)
Recurring Deposit (RD)
Compare FD vs RD
FD and RD are fixed-return bank deposit options. This calculator compares one-time deposits with monthly savings so you can choose based on cash flow.
What this calculator helps you do
- Compare FD and RD maturity side by side
- Estimate interest earned for both deposit types
- Review how lump sum and monthly savings differ
- Use related calculators for broader planning
FD vs RD formula difference
FD applies compounding to a one-time deposit for the full tenure. RD applies compounding to each monthly installment for the remaining months in the deposit period.
Related calculators
- FD Calculator to focus on one-time deposit maturity
- RD Calculator to focus on monthly deposit maturity
- SIP Calculator to compare market-linked investing with deposit returns
- PPF Calculator to compare long-term tax-saving deposits
- Compound Interest Calculator to review pure compounding growth
- Retirement Calculator to connect deposit maturity with future goals
Frequently asked questions
Which is better, FD or RD?
FD can suit lump sum savings, while RD suits monthly savings. The better option depends on cash flow, rate, and tenure.
Does this calculator include taxes?
No. It estimates pre-tax maturity and interest; deposit interest may be taxable.
Can I change compounding?
Yes. FD compounding frequency can be changed in the calculator.
Are FD and RD market-linked?
No. They are fixed-return deposit products, unlike mutual funds or equities.
Trust notes
Last updated: June 2026. Reviewed for calculation clarity by the CalcNest editorial team. FD and RD rates vary by bank, tenure, payout option, and customer category, so confirm final rate and tax treatment with your bank.
Disclaimer: FD and RD maturity values are approximate and may vary depending on bank policies, compounding frequency, and applicable taxes such as TDS on interest.