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Recurring Deposit Projection Calculator

Project a regular deposit stream with a clear timing convention. Compare contributions, modeled gross interest and the result after an optional flat tax assumption.

Browser-based · No signup · Transparent assumptions

Open calculator Free to use · No signup
  1. 01Enter your values
  2. 02Adjust your settings
  3. 03Review your results
All 23 utilities
Deposit details
Currency
Monthly deposit Deposited each month
₹
₹500 ₹1L
Interest rate per year
% p.a.
0% 15%
Tenure Duration of RD
yrs
mo
6 mo 120 mo
Compounding & tax
Compounding frequency
Banks in India typically compound RDs quarterly.
Income tax slab Interest is taxable
Export
🏦

Enter RD details to begin

Your maturity value, interest earned, tax, and month-by-month schedule will appear here.

Calculations run in this browser. A Share link contains input values in its URL; review it before sharing private financial or health information. Currency selection changes notation, not exchange rates.

When to use this calculator

Estimate the result of saving a fixed amount every month for a planned expense. Compare beginning-month and end-month deposits and review the schedule rather than assuming a bank uses the same accrual convention.

Review the worked example and assumptions below, then use the supported report or copy controls to keep the result with its inputs. Calculations run in this browser; a shared URL can include the values you entered.

How to use Recurring Deposit Projection Calculator

  1. Enter the monthly deposit, annual rate and a term in whole years and months.
  2. Choose the compounding frequency, beginning/end-month contribution timing and illustrative tax percentage.
  3. Review the growth table and net maturity, then download the schedule or JSON report.

An equivalent monthly rate simplifies the illustration

Quarterly, half-yearly and annual nominal rates are converted into an equivalent monthly growth rate. Deposits are then applied at your chosen beginning/end-month point. This allows an internally consistent projection but can differ from a bank's actual quarterly interest and installment rules.

Worked example

Monthly deposit: 1,000; annual rate: 0%; term: 12 months
Total deposits: 12,000
Interest: 0; maturity: 12,000

Assumptions and limits

Missed installments, penalties, calendar dates, bank-specific rounding and current product rates are not modeled. Tax is a flat percentage of total interest, not a tax filing calculation.

Reference: Investor.gov savings calculations. Model/source review: 19 October 2026. Results are illustrations or screening estimates; no personalized recommendation or eligibility decision is made.

Frequently asked questions

Does this reproduce every bank's RD maturity?

No. It uses the documented equivalent-monthly-rate model. Confirm the institution's schedule and day-count rules.

Can I choose end-month deposits?

Yes. End-month timing credits growth before adding that month's deposit.

Can I export the projection?

Yes. Use the existing CSV download or the new local JSON calculation report.

Compare deposit timing within the stated model

Choose beginning- or end-month deposits and inspect the schedule rather than assuming every bank uses the same convention.

Scope of this workflow

Missed installments and institution-specific dates or rounding are excluded. The flat tax percentage is not a tax-return calculation.

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