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RD Calculator (India) — Maturity & Interest, Any Rate or Tenure

Free recurring deposit maturity calculator. Monthly deposit + tenure + rate → exact maturity value and interest earned. No signup. Pairs with our FD, PPF and NPS calculators.

RD (Recurring Deposit) Calculator

₹

Maturity amount

₹3,60,053

Total invested

₹3,00,000

Interest earned

₹60,053

Returns assume monthly compounding (annuity-due). Banks typically compound quarterly for RDs — actual maturity may vary by ₹50–₹200 per ₹1L. Interest is fully taxable.

💡

RDs aren't tax-advantaged — interest is fully taxable. For systematic saving with tax benefits, consider SIPs into ELSS or PPF.

About this tool

How RD maturity is calculated

An RD is essentially a series of monthly deposits, each compounding for its remaining tenure. The future value: M = P × ((1+i)^n − 1)/i × (1+i) where i is the monthly interest rate and n is the number of months.

Tax treatment

RD interest is fully taxable at slab rate — there is no exemption like PPF. If you're in the 30% slab, a 7% RD effectively returns ~4.9% post-tax.

Better alternatives?

For systematic monthly investing with tax benefits, consider:

  • PPF — same systematic discipline, fully tax-free, 7.1% current rate.
  • ELSS SIP — equity exposure, 3-year lock-in, 80C-eligible.
  • NPS — extra ₹50K deduction under 80CCD(1B).

All three sit in the tabs above — same tool.

How to use the RD (Recurring Deposit) Calculator (India)

Takes about a minute. No signup, no download, your data stays in your browser.

  1. 1
    Open the tool. Scroll up to the RD (Recurring Deposit) Calculator (India) above — it loads instantly in your browser, no install needed.
  2. 2
    Enter your values. The fields come pre-filled with realistic defaults so you can see how it works — replace them with your own numbers.
  3. 3
    Read the result. The output updates instantly. Copy or share it — nothing is uploaded to a server, everything stays on your device.

Frequently asked questions

Common questions about the RD (Recurring Deposit) Calculator (India).

Is the RD (Recurring Deposit) Calculator (India) free to use?

Yes. The RD (Recurring Deposit) Calculator (India)on 7BusyBoss is completely free — no signup, no paywall, no usage cap.

Do I need to sign up to use the RD (Recurring Deposit) Calculator (India)?

No. The RD (Recurring Deposit) Calculator (India)works instantly in your browser — no account needed. Signing in with Google is optional and only unlocks features like saving favorites and higher AI build limits.

Does the RD (Recurring Deposit) Calculator (India) work on mobile?

Yes. Every tool on 7BusyBoss is mobile-responsive and works in any modern browser — Chrome, Safari, Firefox, Edge — on phones, tablets and desktops.

Is my data safe when I use the RD (Recurring Deposit) Calculator (India)?

Yes. The RD (Recurring Deposit) Calculator (India)runs entirely in your browser — your inputs never leave your device unless the tool explicitly fetches public data (e.g. currency rates). We don't store the values you type.

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