Use our free Loan EMI, Fixed Deposit (FD) and Recurring Deposit (RD) calculators to estimate monthly repayments, interest and maturity values in Indian rupees. Enter the rate offered by your lender or bank to compare different scenarios.
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Loan & Deposit Calculators
Plan repayments and savings in seconds. Adjust the numbers to see your estimate update instantly.
Loan details
Assumes a fixed interest rate, monthly repayments and no extra fees or prepayments.
Monthly repayment
Estimated EMI
—
Equal monthly instalment
Principal
—Total interest
—View year-wise repayment schedule
| Year | Principal paid | Interest paid | Balance |
|---|
Fixed deposit details
Uses quarterly compounding for a cumulative FD. Enter your bank’s offered rate; taxes and early-withdrawal charges are excluded.
Your deposit projection
Estimated maturity amount
—
Principal plus compounded interest
Invested amount
—Interest earned
—View deposit growth by year
| Elapsed | Amount invested | Interest earned | Value |
|---|
Recurring deposit details
Assumes a deposit at the start of each month and a monthly equivalent of quarterly compounding. Actual bank calculations can vary by dates and policy.
Your savings projection
Estimated maturity amount
—
All monthly deposits plus interest
Total deposits
—Interest earned
—View savings growth by year
| Elapsed | Total deposits | Interest earned | Value |
|---|
Important: These are educational estimates, not personalised financial advice or a bank quote. Actual loan payments and deposit maturity may differ due to product terms, interest changes, rounding, taxes, fees and payment dates. Confirm final figures with your lender or bank. Calculations run in your browser; no account details are requested or submitted.
How to use the loan and deposit calculators
Loan EMI: Enter the loan amount, annual interest rate and repayment tenure. The calculation assumes a fixed interest rate and equal monthly instalments. The repayment schedule separates principal and interest for each year.
Fixed deposit: Enter a one-time deposit, annual rate and term. The estimate uses quarterly compounding, common for cumulative Indian bank FDs. The example rate is illustrative, not a current bank offer.
Recurring deposit: Enter the monthly contribution, annual rate and saving period. The estimate assumes deposits at the beginning of each month and a monthly equivalent of quarterly compounding. Actual RD interest can vary by bank and deposit dates.
Frequently asked questions
What is an EMI?
EMI means equated monthly instalment. It is the regular payment used to repay a loan’s principal and interest over an agreed term. For a fixed-rate loan, the monthly rate is the annual percentage rate divided by 12, and the number of payments is the tenure in months.
How is FD maturity calculated?
For a cumulative FD with quarterly compounding, the estimate is principal × (1 + annual rate ÷ 4)(4 × years). Actual maturity depends on the bank’s product, rate, dates and tax treatment.
Does this calculator show live bank interest rates?
No. Interest rates are entered manually and can change. Always check the lender’s or bank’s official terms, charges and final repayment or maturity schedule before making a decision.
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