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How to Use the RD Calculator
A Recurring Deposit lets you invest a fixed amount every month. This calculator finds the maturity value and interest earned.
- Enter your monthly deposit amount.
- Enter the annual interest rate.
- Set the tenure in months.
- Review the maturity value and total interest.
Recurring Deposit Math
Maturity Value
M = ╬г P ├Ч (1 + r/4)^(n) per installment
Each monthly deposit compounds quarterly until maturity, so earlier deposits earn more.
Example:
Input: тВ╣5,000/mo at 7% for 12 months
Calculation: quarterly compounding per installment
Result: тЙИ тВ╣62,265
Typical RD Scenarios
Disciplined Saving
Build a corpus through fixed monthly contributions.
Short-Term Goals
Save for a purchase 1тАУ3 years away.
Tips
Tips
- RDs suit steady savers without a lump sum.
- Interest is taxable; TDS may apply above thresholds.
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