Overview

Evaluate and compare the maturity amounts and interest returns of Fixed Deposits (FD) and Recurring Deposits (RD) on a common investment horizon. This calculator is designed to help you determine which saving instrument will yield the highest return based on your initial lumpsum capital or monthly savings capacity, helping you select the best vehicle for your short-to-medium-term savings.

How to Use

  1. 1 Enter your target Fixed Deposit (FD) principal and interest rate.
  2. 2 Specify your monthly Recurring Deposit (RD) contribution amount and its interest rate.
  3. 3 Define the duration of your savings in years and specify the FD compounding frequency (e.g. quarterly compounding).
  4. 4 Click "Calculate" to view the returns comparison, visual maturity bars, and find out which option earns the most interest.

Why Choose TriverseHub?

  • Side-by-Side Comparison: View FD vs RD maturity values, total invested amounts, and net gains under identical time horizons.
  • Winner Detection: The calculator automatically highlights the option with the better financial outcome.
  • Compounding Controls: Customize compounding periods (e.g. quarterly compounding for FDs) for absolute bank rate parity.
  • Interactive Visuals: Displays clear growth charts to make return differences immediately understandable.