What is an RD calculator?

An RD calculator estimates the maturity value of a recurring deposit by combining your monthly deposit amount, interest rate, and tenure into a projected final value.

How is RD different from FD?

In an FD you invest one lump sum for the entire period. In an RD you add money every month, so each installment earns interest for a different duration.

Why does the maturity amount look lower than a SIP sometimes?

An RD is a fixed-income product with typically lower but more stable returns, while a SIP is market-linked and may offer higher long-term growth with more volatility.

Can I use an RD calculator for goal planning?

Yes. It is useful for medium-term goals such as travel, education reserves, or planned purchases where you want a predictable monthly savings habit.

Does this include penalties for missed installments?

No. The tool focuses on the standard maturity estimate. If your bank charges penalties or changes interest for missed installments, those need to be considered separately.

Is monthly deposit timing important?

Yes. Since each deposit earns interest from the date it is made, consistent monthly deposits help keep the maturity estimate aligned with actual performance.

RD Calculator Results - Rd Calculator Monthly

Maturity Amount

₹3,54,954.10

Total Deposited

₹3,00,000.00

Total Interest

₹54,954.10

Monthly Deposit

₹5,000.00

Breakdown

Expand

Growth Over Time

Expand

Recurring Deposit Growth

Quarter	Deposit	Cumulative	Interest	Balance
Q1	₹15,000.00	₹15,243.75	₹243.75	₹15,243.75
Q2	₹15,000.00	₹30,735.21	₹491.46	₹30,735.21
Q3	₹15,000.00	₹46,478.41	₹743.20	₹46,478.41
Q4	₹15,000.00	₹62,477.43	₹999.02	₹62,477.43
Q5	₹15,000.00	₹78,736.44	₹1,259.01	₹78,736.44
Q6	₹15,000.00	₹95,259.66	₹1,523.22	₹95,259.66
Q7	₹15,000.00	₹1,12,051.38	₹1,791.72	₹1,12,051.38
Q8	₹15,000.00	₹1,29,115.96	₹2,064.58	₹1,29,115.96
Q9	₹15,000.00	₹1,46,457.84	₹2,341.88	₹1,46,457.84
Q10	₹15,000.00	₹1,64,081.53	₹2,623.69	₹1,64,081.53
Q11	₹15,000.00	₹1,81,991.60	₹2,910.07	₹1,81,991.60
Q12	₹15,000.00	₹2,00,192.71	₹3,201.11	₹2,00,192.71

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