Fixed Deposit Calculator — Advanced (Inflation & Tax)

Advanced view: see nominal, after-tax, and inflation-adjusted returns.

Principal Amount

Currency-agnostic — results are in the same unit you input.

Interest Rate (% p.a.)

Start Date

Maturity Date

Tenure

Enter tenure or use start/maturity dates.

Compounding Frequency

Interest Type

Inflation Rate (% p.a.)

Used to estimate real (inflation-adjusted) return.

Tax Rate on Interest (%)

Approximate tax rate applied to interest earned.

Total Days: 0

Nominal Interest Earned: 0.00

Nominal Maturity Amount: 0.00

After-Tax Interest: 0.00

After-Tax Maturity Amount: 0.00

Inflation-Adjusted (Real) Maturity: 0.00

Real Annualized Return (approx): 0.00%

Chart displays Principal vs Tax vs Net Interest (inflation-adjusted)

Tax is calculated on interest — if taxed annually, compounding after tax reduces effective yield.
Inflation reduces purchasing power; a 4% inflation erodes part of nominal gain.
Compare banks by effective annual yield (EAY) rather than nominal rate.