Recurring Deposit Calculator
Calculate RD maturity with tax impact, inflation-adjusted value, target planning, step-up deposits, and richer growth insights.
RD Calculator
📖 Guide60 months = 5 years. Typical bank RD tenure: 6 months to 10 years.
Advanced RD planner
Check after-tax maturity, real purchasing power, target planning, and what deposit is needed to hit your goal.
This planner simulates monthly deposits with your selected compounding frequency and also shows tax-adjusted and inflation-adjusted maturity.
Year-by-year RD breakdown
Deposits, interest, post-tax and real purchasing powerUnderstanding Recurring Deposits
What is an RD?
A Recurring Deposit is ideal for disciplined monthly saving. You commit a fixed contribution and let the bank compound it over a chosen period.
Bank-style compounding matters
Many Indian banks compound RD interest quarterly. This enhanced version lets you compare monthly, quarterly, and annual assumptions.
Use RD for specific goals
Emergency buffers, festival funds, school fees, and short-term goals often fit RD better than volatile market products.
Decision Map
When a Recurring Deposit Fits Best
Use this quick guide to decide whether RD is the right parking place for your next goal.
Need low risk?
RD works well when capital safety matters more than maximizing return.
Saving from salary?
Monthly commitment makes RD useful for salaried savers building predictable short-term goals.
Watch post-tax returns
Nominal maturity can look good, but after-tax and after-inflation value may be much lower.
Compare alternatives
Use FD, SIP, and fixed-income comparison tools before locking your strategy.