FD vs RD Calculator
Use this free online FD vs RD Calculator to compare fixed deposit and recurring deposit returns side by side. Enter the FD lump sum amount, RD monthly deposit, annual interest rate, tenure, and compounding frequency to estimate total investment, interest earned, and maturity value for both options. This tool helps you choose the better savings plan based on your cash flow and goals.
One-time amount for FD.
Monthly amount for RD.
Use same rate for both FD and RD.
Comparison period in months.
Many banks use quarterly compounding.
Optional helper to compare equal total outflow.
Quick presets
FD Result
RD Result
Compare FD and RD to see which option gives a higher maturity value.
Quick summary
Enter FD amount, RD deposit, rate, and tenure to compare maturity values and interest earned.
How to use
- Enter the FD lump sum amount.
- Enter the RD monthly deposit.
- Enter the annual interest rate.
- Enter the tenure in months.
- Select the compounding frequency.
- Click Compare to see FD vs RD results side by side.
Example
FD Amount: ₹1,20,000
RD Deposit: ₹10,000 monthly
Rate: 7%
Tenure: 12 months
Result: Shows FD result, RD result, and maturity difference instantly.
Where can you use this FD vs RD Calculator?
Bank Product Comparison
Compare fixed deposit and recurring deposit returns before choosing a savings product.
Cash Flow Planning
Decide whether a lump sum FD or monthly RD suits your income and budgeting style better.
Savings Goal Strategy
Use it to match the right deposit style with your short- or medium-term financial goal.
When to use this tool
When you have spare lump sum money
Check whether putting it into FD gives better results than monthly RD deposits.
When you want regular saving discipline
Compare if RD fits your monthly saving habit better than a single FD investment.
Before choosing a bank deposit plan
Understand maturity differences clearly before locking money into any product.
Frequently Asked Questions
What is the difference between FD and RD?
Which is better, FD or RD?
Can this calculator compare FD and RD at the same interest rate?
Why can FD maturity be different from RD maturity even with equal total investment?
Does this FD vs RD Calculator work on mobile?
About this free online FD vs RD Calculator
An FD vs RD Calculator helps you compare two of the most common bank savings products in one place. A fixed deposit is designed for people who already have a lump sum amount and want predictable returns over a fixed term. A recurring deposit is more suitable for people who prefer saving a fixed amount every month instead of investing all money at once. Both products are popular for low-risk savings, but the final maturity value can differ based on the investment method.
This calculator makes comparison easier by showing invested amount, interest earned, and maturity value for both FD and RD side by side. Because FD starts with the full amount on day one, it often earns interest differently from RD, where each monthly deposit gets a shorter compounding period. That is why even if the total invested money looks similar, the final maturity value may not match.
This tool is useful for salaried individuals, families, conservative savers, and anyone deciding between a one-time deposit and monthly disciplined saving. It helps you choose the option that better matches your available funds, savings style, and financial goal.
You may also find our related finance tools useful, such as FD Calculator, RD Calculator, SIP Calculator, Compound Interest Calculator, Simple Interest Calculator, and EMI Calculator. These tools help you compare savings, returns, and financial planning options more effectively.