A clay gullak money pot on a wooden shelf beside a small pile of coins - RD Calculator

RD Calculator

Work out what a monthly recurring deposit grows to by maturity, using the quarterly compounding banks apply, and see how much of the maturity value is your own deposits versus interest earned. After the maths, see the days the Vedic tradition counts auspicious for new beginnings. An educational planning tool, not financial advice.

Project your recurring deposit

Enter the amount you will deposit every month, the interest rate your bank or post office quotes and the tenure. Every number below is illustrative and based entirely on the values you enter, not a quote, a guarantee or an offer.

Maturity value (illustrative)
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Total deposited Interest earned
Total deposited
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Interest earned
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Maturity value
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This is an illustrative projection based on your inputs only. It applies the standard recurring-deposit method used by Indian banks and post offices: every monthly instalment earns compound interest at the rate you enter, compounded quarterly, for the months it stays invested, and the instalments are then added together. Banks round tenures and part-quarters slightly differently, so your actual maturity advice from the bank may differ by a small amount. Rates on a recurring deposit are fixed at the time of opening. Nothing here is an offer, a rate quote or financial advice.

Investing in market-linked instalments instead? Compare with our SIP calculator, or lock a single amount with the FD calculator.

Classically auspicious days for new beginnings

The Vedic tradition counts some days auspicious for any new beginning (muhurat), a recurring 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
Ravi Pushya (Pushya + Sunday) - highly 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 steady gains sit in your chart

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FAQ

Frequently Asked Questions

A recurring deposit pays compound interest, conventionally compounded quarterly in India. Each monthly instalment earns interest only for the months it actually stays with the bank, so your first instalment earns for the full tenure and your last earns for barely a month. This calculator grows every instalment separately at the rate you enter, compounding quarterly, and adds them together to give the maturity value. Your bank may round part-quarters slightly differently.
They suit different cash flows rather than one being better. A fixed deposit takes one lump amount upfront and earns interest on the whole sum for the full tenure, while a recurring deposit lets you set aside a fixed amount every month out of your income. Because RD money goes in gradually, the same rate produces less total interest than an FD of the same final size. Choose an RD if you are building the amount from monthly savings and an FD if the money is already in hand.
Yes. Interest on a recurring deposit is fully taxable and is added to your income under Income from Other Sources, taxed at your slab rate. Banks deduct TDS once your total deposit interest with them crosses the threshold set for the year, and you can submit Form 15G or 15H if your income is below the taxable limit. This calculator shows the pre-tax maturity value, so your take-home amount will be lower. Please check the current thresholds with your bank or a tax professional.
Most banks allow premature closure of a recurring deposit, usually with a penalty of around 0.5 to 1 percent off the applicable rate, and some do not allow partial withdrawals at all. Missing an instalment can also attract a small penalty. Because the terms vary by bank, confirm them before you open the account if there is any chance you will need the money early.
Not to the maths above. 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. AstroCapitalX is an educational Vedic astrology platform and is not a SEBI-registered investment advisor. This RD calculator and the timing content are for education and planning only, and nothing here is an investment offer, a rate quote, a recommendation or advice. Please confirm rates and terms with your bank and consult a qualified, registered advisor before making any financial decision.