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Forecast Recurring Deposit (RD) maturity wealth from monthly installments with quarterly compounding interest rules.
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Finance & Wealth
Forecast Recurring Deposit (RD) maturity wealth from monthly installments with quarterly compounding interest rules.
Enter your monthly deposit amount, interest rate, and tenure. The calculator computes your maturity value, accounting for the fact that each monthly deposit earns interest for a different duration.
Calculate Recurring Deposit maturity wealth with monthly contributions & compounding. Yuitility keeps the workflow fast and focused, so you can complete the job without creating an account.
So you can check the result rather than take it on trust.
M = Σ P × (1 + i ÷ 4)^(4 × tₖ), summed over every instalment k
₹5,000 per month for 24 months at 7%.
Maturity approximately ₹1,29,099 — about ₹9,099 of interest.
This is the mistake most RD estimates make: they apply the full tenure to the full deposited amount, which would give roughly ₹1,38,000 here. Each instalment earns for a different length of time, and the correct answer is meaningfully lower.
Frequently asked questions about calculation formulas, privacy, and usage.
Since RD deposits are made monthly rather than as a lump sum, each installment earns interest for a shorter period than the full tenure, resulting in a lower effective annualized return than an FD at the same stated rate.
Most banks allow premature withdrawal, but usually with a penalty (reduced interest rate) - check your bank's specific terms.
Yes, similar to FD, RD interest is taxable as income at your applicable slab rate in India.
No. Calculations execute strictly client-side with zero data uploads.
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Total Invested: $180,000
