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An antique brass-cornered wooden strongbox with jasmine and gold coins - FD Calculator

FD Calculator

Work out the maturity value and total interest on a fixed deposit for the amount, rate, tenure and compounding you choose, then see the days the Vedic tradition counts auspicious for new beginnings. An educational planning tool, not financial advice.

Calculate your FD maturity

Enter your deposit amount, the interest rate your bank quotes, the tenure and how often interest is compounded. Every number below is illustrative and based entirely on the values you enter, not a quote or an offer.

Maturity amount (illustrative)
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Principal Interest earned
Principal
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Total interest
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Maturity value
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These figures are illustrative and based on your inputs only. They apply the standard compound-interest formula, Maturity = P x (1 + r/n) raised to (n x t), to the amount, rate, tenure and compounding frequency you entered, and are not a bank quote, an offer or any form of financial advice. Your actual payout depends on the bank's rate, compounding basis, TDS and terms. AstroCapitalX is an educational platform and is not a SEBI-registered investment advisor.

Classically auspicious days for new beginnings

The Vedic tradition counts some days auspicious for any new beginning (muhurat), a fixed deposit included. Below are upcoming such days with a favourable window, shown for your city. The tradition’s calendar says nothing about markets or returns: a deposit opened on any day earns the same rate, and an investment begun on any day carries the same market risk.

All times in IST, local to Delhi
Sun, 1 Nov 2026
Ravivara
Pushya Nakshatra - the star of Goddess Lakshmi, auspicious for gold
Labh: 09:19–10:42 Amrit: 10:42–12:05 Shubh: 13:28–14:51
Fri, 6 Nov 2026
Shukravara
🎉 true
Dhanteras - the traditional gold & silver buying day
Labh: 07:59–09:21 Amrit: 09:21–10:43 Shubh: 12:05–13:27
Sun, 8 Nov 2026
Ravivara
🎉 true
Diwali · Lakshmi Pujan - the tradition’s night of worship for wealth
Labh: 09:22–10:44 Amrit: 10:44–12:05 Shubh: 13:27–14:48
Sat, 26 Dec 2026
Shanivara
Pushya Nakshatra - the star of Goddess Lakshmi, auspicious for gold
Shubh: 08:30–09:47 Labh: 13:39–14:57 Amrit: 14:57–16:14
Fri, 22 Jan 2027
Shukravara
Pushya Nakshatra - the star of Goddess Lakshmi, auspicious for gold
Labh: 08:34–09:54 Amrit: 09:54–11:13 Shubh: 12:33–13:53
Fri, 19 Feb 2027
Shukravara
Pushya Nakshatra - the star of Goddess Lakshmi, auspicious for gold
Labh: 08:22–09:46 Amrit: 09:46–11:11 Shubh: 12:36–14:00

See how savings and wealth sit in your chart

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FAQ

Frequently Asked Questions

This calculator uses the standard compound-interest formula: Maturity = P x (1 + r/n) raised to the power (n x t), where P is your deposit, r is the annual rate as a decimal (rate divided by 100), n is the number of compounding periods per year and t is the tenure in years. The total interest is simply the maturity value minus your principal. Every figure is illustrative and based only on the numbers you enter.
Compounding frequency is how often the interest you have earned gets added back to your balance so that it too starts earning interest. Most banks compound fixed deposits quarterly, though monthly, half-yearly and yearly are also used. For the same rate and tenure, more frequent compounding gives a slightly higher maturity value. Pick the option your bank actually uses so the illustration matches your deposit.
For a standard fixed deposit, yes: the rate agreed when you open the deposit stays the same until maturity, even if the bank changes rates for new deposits later. This calculator assumes the single rate you enter stays constant for the full tenure, which is an illustration, not a prediction of future rates. Special or floating-rate products can differ, so check your bank's terms.
Not to the maths above: what a bank pays is set by the rate, the tenure and the compounding. The days shown here are the ones the Vedic tradition counts auspicious for new beginnings, following classical muhurat principles, supportive weekday, tithi and nakshatra combinations, avoiding Rahu Kalam, Yamaganda and Gulika Kalam, with sunrise-based windows localised to your city. They are cultural context only. The tradition's calendar says nothing about markets or returns: a deposit opened on any day earns the same rate, and an investment begun on any day carries the same market risk.
No. Your maturity value is set purely by the deposit amount, interest rate, tenure and compounding frequency in the maths above. Muhurat timing is a traditional, cultural consideration for when to begin, and has no effect on the numbers a bank pays. Treat the two separately: run the maths here, then choose a day that suits you.
No. AstroCapitalX is an educational Vedic astrology platform and is not a SEBI-registered investment advisor. This FD calculator and the timing content are for education and planning only, and nothing here is a deposit offer, a recommendation or investment advice. Your bank may also deduct TDS on interest, which this tool does not account for. Please consult your bank and a qualified, registered advisor before any financial decision.