Plan fixed deposits and create a professional maturity certificate.

Compare cumulative and payout deposits, estimate tax, review year-by-year growth and generate a branded customer certificate as PNG or PDF.

✓ Cumulative and payout FD✓ Senior-citizen rate✓ Tax estimate✓ Image and PDF certificate

Advanced Fixed Deposit Calculator

Standalone advanced workspace with local processing and branded exports.

Runs locally

Deposit details

India-focused defaults with configurable currency

Currency

Deposit amount

Annual interest rate %

Tenure

Tenure unit

FD type

Compounding / payout

Tax rate on interest %

Opening date

Senior-citizen bonus Show tax estimate Reinvest periodic payout

Certificate and customer details

Used in image and PDF downloads

Customer name

Provider / bank name

FD reference number

Branch / office

Authorized signatory

Custom note

Maturity value₹0Estimated amount at maturity

Interest earned₹0Before estimated tax

Post-tax value₹0Indicative only

0%Effective annual yield

₹0Periodic payout

₹0Estimated tax

—Maturity date

Deposit growth schedule

Period	Opening	Interest	Tax estimate	Closing / payout

Provider

Fixed Deposit Maturity Certificate

Indicative fixed-deposit calculation summary

Customer

Opening date

Deposit type

Maturity date

Principal deposited

Annual interest rate

Interest earned

Estimated tax

Estimated maturity value

Authorized signatory

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Understand both maturity and cash-flow choices.

Cumulative FDs reinvest interest and pay it at maturity. Non-cumulative FDs generally pay interest monthly, quarterly, half-yearly or annually. Tax estimates in this tool are educational and do not replace tax advice.