RD Calculator
Estimate recurring deposit maturity value and interest for any monthly amount.
₹5,000/month in an RD at 7% for 5 years matures to roughly ₹3.57 lakh — you deposit ₹3 lakh and earn about ₹57,000 interest. RDs suit goals under 5 years where you want zero market risk; for longer horizons, SIPs usually win.
How to use the rd calculator
- Enter your monthly deposit.
- Set the RD interest rate and tenure.
- See maturity value and interest earned.
RD Calculator — FAQs
RD vs FD — which gives more?
At the same rate and tenure, they’re nearly identical. RD just lets you build the deposit monthly instead of needing the full amount upfront.
RD vs SIP for 5 years?
RDs give guaranteed ~7%; equity SIPs have averaged ~11–13% but with volatility. For must-not-fail goals (fees, wedding), pick RD; for flexible goals, SIP.
Is RD interest taxable?
Yes — fully taxable at your slab rate. Banks deduct 10% TDS if annual interest exceeds ₹40,000 (₹50,000 for seniors).
Can I withdraw an RD early?
Yes, but with a penalty — usually 0.5–1% lower rate plus premature-closure charges.
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