Calculate RD maturity, interest, and TDS — 100% offline
Maturity Value
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Total Invested
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Interest Earned
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TDS (if any)
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Net Amount After TDS
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Our free Recurring Deposit Calculator helps Indian investors, salaried professionals, students, and small savers calculate exact maturity amounts, interest earnings, and TDS deductions for their RD investments. Whether you're planning monthly savings, comparing investment options, tracking RD growth, or understanding tax implications, this 100% offline tool provides accurate calculations instantly.
Calculate RD maturity value, estimate compound interest earnings, understand TDS deductions, compare bank RD rates, plan systematic savings, and make informed investment decisions with our comprehensive recurring deposit calculator.
Our calculator uses the standard RD formula with quarterly compounding to provide precise maturity amounts matching bank calculations exactly.
Automatically calculates TDS deductions as per current income tax rules, helping you understand the net amount you'll receive after tax.
Works completely offline - no internet required. Calculate your RD returns anytime, anywhere without privacy concerns.
Compare returns across different banks and interest rates to choose the most profitable recurring deposit scheme for your needs.
Used by investors, financial advisors, students, and salaried professionals across India. No registration required - calculate RD returns instantly offline!
RD interest is calculated using the formula: M = R × [(1+i)ⁿ - 1] / (1-(1+i)^(-1/3)) where M is maturity value, R is monthly installment, i is quarterly interest rate, and n is number of quarters. Our calculator handles this complex calculation automatically.
Banks deduct TDS @ 10% on RD interest if total interest exceeds ₹40,000 in a financial year (₹50,000 for senior citizens). TDS is deducted at the time of credit or payment, whichever is earlier. Form 15G/15H can be submitted to avoid TDS deduction.
While both offer fixed returns, FD requires lump sum investment whereas RD allows systematic monthly savings. For the same total investment amount, FDs generally yield slightly higher returns due to the full amount earning interest from day one.
Yes, most banks allow RD premature closure with a penalty of 0.5-1% on the contracted interest rate. The amount is paid at the savings account interest rate or 1-2% below the contracted RD rate, whichever is lower. Some banks also charge a small processing fee.