RD Calculator โ Input Your Plan
This is the amount you will deposit every time (monthly or quarterly).
In a typical RD, deposits are made every month. You can also model quarterly deposits.
Example: 7 years 6 months โ enter 7 and 6.
Compounding frequency controls how often interest is added to your balance. Monthly compounding is common for RDs and SIP-style investments.
In many RDs, you deposit at the start of the month. Beginning-of-period deposits earn a little more interest than end-of-period deposits.
Optional: add an extra lump sum every N months (for example, bonus or extra savings). Leave blank or 0 if you donโt want top-ups.
- Recurring Deposit (RD): You invest a fixed amount regularly (usually every month). Interest is calculated on the growing balance.
- Deposit Frequency: Choose whether you invest every month or every quarter.
- Compounding Frequency: Controls how often the bank adds interest to your balance (monthly, quarterly, half-yearly or yearly).
- Deposit Timing: โBeginning of periodโ gives a slightly higher maturity because each deposit enjoys one extra month of interest.
- Top-ups: You can simulate extra contributions every few months, similar to adding an extra SIP on top of your main RD.
Monthly or Quarterly RD
Model both classic monthly recurring deposits and quarterly saving plans.
Advanced Compounding
Choose between monthly, quarterly, half-yearly or yearly compounding and see the impact.
Extra Top-ups
Add extra top-ups every few months to simulate bonuses or additional SIP investments.
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