Comprehensive Fixed Deposit Calculator – I: Total and Advance Tax Liability (2023)

Last Updated on January 31, 2021

If you are holding fixed deposits, you could use this calculator to compute:

  • tax you need to pay each financial year after accounting for TDS
  • advance tax instalments to be paid (if applicable)

This calculator is a spin-off my recurring deposit calculator which was featured in OneMint. The calculator was requested by Anshu and is based on discussions with Praveen Kumar regarding advance tax.

Of all the calculators I have made, RD and FD calculators would rank among the toughest. This is because of the nature of compounding and nature of taxation.

Tax on FDs and Rds:

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    Almost everyone agrees that tax on FDs should be paid each financial year. However when it comes to RDs some claim it has to be paid each year while others claim that there is a choice: either pay each year or upon maturity.

    The source of this confusion is (like always) the kind of information available. According to Indian tax laws, an investor can choose the method of taxation (pay each financial year or on maturity) for certain sources of income. Bemoneyaware has written a wonderful article on this (you could also refer to this livemint article).

    In a more recent directive, the tax man explicitly states that tax on cumulative deposits has to be paid on accrual basis (that is each financial year). This automatically includes RDs. I would like to go with this understanding since it the most recent resource I could find on the subject.

    Does this mean for non-cumulative FDs (ones which pay out interest periodically) you could choose to pay tax each financial year or upon maturity?! Arguably yes. Nitin Soni a CA is of the view that “In the absence of a specific provision in the IT Act, any income earned in a year is taxable within that year”. This makes sense to me (although it would be comforting to find a source to ratify this statement!).

    If I ever hold a RD or FD I will pay tax each financial year simply because it took some doing getting this idea onto Excel!

    Tax Googlies:

    • There plenty of articles available on the WWW which advice people on how to avoid TDS for FDs. Utter nonsense. Stay away from all of them. Bottom line: FD interest is taxable as per slab. If your slab is 10% then bank does all the work and need not pay any more tax (on FD income!). If it is higher than 10% then you need to compute the difference and pay. This is where this FD calculator will help.
    • In general, “no TDS applicable” is nothing more than a sales pitch. It does not mean ‘no tax applicable’.

    If you are young and are accumulating wealth there are plenty of tax-friendly ‘debt’ options. There is no need for you to use FDs and break your head about how much tax to pay and when to pay it.

    Download the FD calculators

    (Day-duration computations are lengthy. So after entering data in each green cell, give a few seconds gap for Excel to complete calculations).

    Note: Advance tax is applicable only if the total taxable income from all sources exceeds Rs. 10,000 in a financial year. Here is a good read on the subject.

    Why the ‘I’ in the title is there a part II? Coming Soon: Comprehensive Fixed Deposit Calculator – II: Why it’s a dumb idea to invest your money in your spouse’s name!

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      How do I calculate my Fixed Deposit? ›

      The formula to determine FD maturity amount
      1. There are two types of FD that you may avail of – simple interest FD and compound interest FD. ...
      2. M = P + (P x r x t/100), where –
      3. For example, if you deposit a sum of Rs. ...
      4. M= Rs. ...
      5. = Rs. ...
      6. M= P + P {(1 + i/100) t – 1}, where –

      How much Fixed Deposit is tax free? ›

      A tax-saving fixed deposit (FD) account is a type of fixed deposit account that offers a tax deduction under Section 80C of the Income Tax Act, 1961. Any investor can claim a deduction of a maximum of Rs. 1.5 lakh per annum by investing in a tax-saving fixed deposit account.

      What is the exemption limit for TDS on FD? ›

      Understanding TDS in relation to FDs

      If your interest income from all FDs with a bank is less than Rs 40,000 in a year, the bank cannot deduct any TDS. The limit is Rs 50,000 in the case of a senior citizen aged 60 years and above.

      Can we use FD for tax exemption? ›

      It enables tax deduction under Section 80C: Fixed deposits allow tax saving under Section 80C. You can get tax deductions of up to ₹1, 50,000 under Section 80C of the Income Tax Act of 1961 for your investment in a fixed deposit.

      What is Fixed Deposit with example? ›

      In a Fixed Deposit, you put a lump sum in your bank for a fixed tenure at an agreed rate of interest. At the end of the tenure, you receive the amount you have invested plus compound interest. FDs are also called term deposits.

      What is the formula of total deposit? ›

      Total Deposit = Initial Deposit × Money Multiplier =500×10=Rs.

      How do I avoid paying tax on savings interest? ›

      Tax-Advantaged Savings Accounts

      The major tax-advantaged savings account options are: Roth Individual Retirement Account (IRA) or Roth 401(k): Interest earned in a Roth account is not taxed until it is withdrawn. And, if you are older than age 59 ½, you will owe no income taxes at all on the interest.

      How do I claim my TDS refund on fixed deposit? ›

      How to Claim TDS Refund on FD Online
      1. Visit the Income Tax department portal at
      2. Register if you are a new user.
      3. Log in with your credentials.
      4. Fill the relevant ITR form.
      5. Submit the ITR form.
      6. e-verify the ITR form with your Aadhar-generated OTP and digital signature.

      What is the maximum amount of fixed deposit? ›

      What is the maximum amount that can be invested in a FD account. There is no maximum limit to invest in a FD account; however, it may vary from one bank to the other. The depositors who invest an amount above Rs. 1 crore on fixed deposit can get customized interest rates from their bank.

      How to avoid TDS on fixed deposit? ›

      Here are a few key ways to reduce/save tax on FD interest or TDS on FD interest:
      1. Submit Form 15G/15H: If your total income for the year is below Rs 2.5 lakh, you can submit or use form 15G/15H. ...
      2. Open FD Account in Post Office: You can open your FD in a post office branch instead of a bank.
      Feb 15, 2023

      Who is exempt from TDS? ›

      Other exemptions from of the TDS include transfers from one co-owner to another, transfers made to a spouse or child, grandchild, parent, grandparent or other direct ancestor or descendent; transfers between spouses in connection with dissolution of marriage, and various transfers to the state for failure to pay ...

      Is TDS refundable? ›

      Therefore, you can claim a TDS refund when filing your income tax returns (ITR) for the financial year. The TDS (Tax Deducted at Source) refund process is easy and does not take a long time, provided you have the necessary documents.

      What fixed income is tax exempt? ›

      The tax-exempt sector includes bonds, notes, leases, bond funds, mutual funds, trusts, and life insurance, among other investment vehicles. Government municipal bond issuers offer a guarantee, since the taxing authority typically raises funds to repay any GO bond obligations.

      What is the difference between FD and tax saver FD? ›

      There are two types of FDs: Tax saver FDs and regular FDs. Tax saver term deposits come with a lock-in period of up to 5 years, while for normal FDs the tenure ranges from 7 days to 10 years. Regular FDs do not provide tax benefits and only tax saver FDs provide tax benefits.

      Can we break 5 years fixed deposit? ›

      The lock-in period of five years does not allow money withdrawal from the account. However, after five years, the money can be withdrawn. In case of emergency, the money from the tax saver FD can be withdrawn prematurely if the scheme passes the five years of the lock-in period.

      What are the disadvantages of fixed deposit account? ›

      Disadvantages of Fixed Deposit

      The interest rates for fixed deposits have been falling in recent times which has reduced the attractiveness of this investment. Locked in Funds: Fixed deposits lock in your funds for a fixed duration. These funds are not available for you to use unless you withdraw the funds prematurely.

      Is fixed deposit a liability or asset? ›

      Fixed deposits invested into banks for more than one year are non-current resources. Hence fixed deposits are assets. Also see: Difference Between Assets and Liabilities.

      What is the benefit of fixed deposit? ›

      Fixed Deposits are - attractive - interest-generating instruments that are also risk-free. Market fluctuations do not affect a Fixed Deposit, so you will get an assured return on your deposits by the end of the maturity period.

      What is total deposits and total liabilities? ›

      Total Deposit Liabilities refer to the total amount of deposits held by financial institutions (from depositors). It is the sum of savings deposit, demand deposit, time certificates of deposit, long-term negotiable certificates of deposit, and negotiable order of withdrawal (NOW) accounts.

      What is included in total deposits? ›

      Total deposits include demand, time and saving deposits in deposit money banks.

      Is a deposit included in the total price? ›

      A deposit is usually 10% of the purchase price, a significant sum. The deposit is paid to the seller on exchange of contracts as part payment of the purchase price. A request for a deposit over 10% should be questioned as it may not be legally enforceable because it amounts to a penalty on the buyer.

      Why do I have to pay tax on interest from savings? ›

      What's Taxable and Why. Savings accounts are not generally thought of as investments. However, they do earn money in the form of interest. The IRS considers the interest earned taxable income, whether you keep the money in the account, transfer it to another account, or withdraw it.

      How much tax do you pay on interest income? ›

      In most cases, your tax rate on earned interest income is the same rate as the rest of your income. So if your normal tax bracket is 25 percent, you'll also pay 25 percent of interest in taxes.

      Do I have to pay taxes on interest from savings account? ›

      Rules regarding taxes for traditional savings

      If you have at least $10 in interest income from your savings account, the Form 1099-INT is important. You are legally required to report any interest income regardless of whether you received the form.

      Can I withdraw my TDS? ›

      Tax Deducted at Source (TDS) is the sum that is deducted from a taxpayer's income like salary, interest from bank accounts, rent etc. If the TDS collected is more than what you owe to the government, you can get a TDS Refund.

      How can I check my TDS balance? ›

      How to Check TDS Status by PAN Card?
      1. Visit
      2. Key-in the verification code.
      3. Click on 'Proceed'
      4. Enter the PAN and TAN.
      5. Select the financial year as well as the quarter and the type of return.
      6. Click on 'Go'
      7. The details will be displayed on the corresponding screen.

      How do I check my TDS refund? ›

      Step 1: Visit official website at Step 2: Enter the PAN, Assessment Year, and Captcha. Step 3: Click on 'Proceed' to check the status of the refund.

      What is the FD limit for senior citizens? ›

      So, senior citizens need to invest in a way that they can take benefit of Section 80TTB while filing their income tax return. Simply put, for senior citizens, the total interest income from fixed deposits should not cross the limit of Rs 50,000 in a financial year.

      What is the minimum amount to keep in fixed deposit? ›

      Typically, for most banks - the minimum deposit amount is Rs. 1,000. 5) Taxes on the Interest Earned: The interest that is earned on an FD account is taxable, and the tax rate will depend on the individual income tax slab rates.

      How to skip TDS? ›

      However, for those earning more, following pointers could help them avoid paying excess TDS:
      1. Submit all investment proofs for deduction under Section 80C. ...
      2. Housing loan repayment (principal) ...
      3. Leave Travel Allowance. ...
      4. Public Provident Fund (PPF) ...
      5. Sukanya Samriddhi account. ...
      6. Benefits under Section 80EE for first-time homebuyers.
      Jan 22, 2020

      Why TDS is deducted from fixed deposit? ›

      TDS at 10% is deducted from your account If the interest earned on the fixed deposit exceeds INR 40,000. TDS is levied on an individual if they come under the category of taxable income. Fixed Deposit offers a fixed rate of interest to its policyholders.

      Who can claim TDS? ›

      Key takeaways
      • Individuals who have made financial declarations at the start of the year, which are less than the proof of investment submitted at the end of the year, will be eligible for a TDS refund.
      • File a TDS refund claim when the employer deducts more tax than the actual liability.

      How do I exempt TDS dividend? ›

      Submit Form 15G/15H: Individuals whose total income is below the taxable limit can submit Form 15G/15H to the company paying the dividend. This will ensure that no TDS is deducted from the dividend income.

      What type of transaction is a seller exempt from providing a transfer disclosure statement form? ›

      The Transfer Disclosure Statement (TDS) is required in the state of California unless the seller (or transferor) meets one of the following conditions: Court-ordered sales such as probate sales, foreclosure sales, sale by bankruptcy trustee, eminent domain.

      What is the penalty for TDS return? ›

      Under Section 234E, the person who is required to deduct/collect TDS/TCS will have to pay a fine of Rs 200 (two hundred) per day until the TDS return is filed. The deductor of TDS shall be liable to pay this for every day of delay until the fine amount is equal to the amount you are supposed to pay as TDS.

      Does TDS expire? ›

      The TDS/TCS is paid to the government's credit. The filing of the TDS/TCS return is done prior to the expiry of one year from the due date. The interest and late filing fees (if any) have been paid to the government's credit.

      How long does it take to get TDS back? ›

      If your landlord holds your deposit (so should be protected in the Insured scheme), the landlord should pay your deposit back within 10 days of your request for the deposit to be returned.

      Does cashing in a CD count as income? ›

      The IRS treats interest you earn on a CD as income, whether you receive the money in cash or reinvest it in a new CD. (The same treatment applies to interest credited to a CD that allows you to withdraw funds early without penalty.) The interest is taxable, the IRS says, in the year it is paid.

      What is an example of a tax-exempt security? ›

      In a tax-exempt security, income is produced free from any tax burden. Municipal bonds, which represent obligations of a state, territory or municipality, are a typical example of a tax-exempt security.

      Which mutual funds are not taxable? ›

      Mutual funds are not tax-free except for ELSS (equity-linked savings schemes or tax-saving funds) and some retirement funds. As per the Income Tax Act, under Section 80C, you can claim a deduction of up to Rs. 1.5 lakh for investments made in ELSS and can save taxes up to Rs. 46,800.

      Which fixed deposit is better? ›

      Best Fixed Deposit Schemes To Invest In India in 2023
      Banks Offering FDInterest RateTenure
      ICICI Bank3.00% - 6.00%7 days -10 years
      Kotak Bank2.50% - 5.25%7 days - 10 years
      Punjab National Bank3.00%-5.75%1-10 years
      State Bank of India3.00% - 5.85%7 days-10 years
      6 more rows
      May 18, 2023

      Which type of FD is best? ›

      Cumulative Fixed Deposits

      The interest earnings are compounded and are added to your principal sum. These types of fixed deposits are suitable for those looking for long-term investments. Cumulative FD interest rates are generally higher than rates that apply to non-cumulative FDs.

      Which tax saving FD is best? ›

      3. Tax Saver FD v/s Other Tax Saving Instruments
      InstrumentLock-in Period (in years)Returns* (%)
      Sukanya Samriddhi Yojana (SSY)217.6%
      5-year tax saver FD55.3% – 7.25%
      National Savings Certificate (NSC)56.8%
      National Pension Scheme (NPS)Till retirementMarket-linked
      3 more rows
      Mar 24, 2023

      What is the new rule of fixed deposit? ›

      The new FD rule is related to interest being paid on unclaimed or overdue FDs. As per the new rule, if a term deposit matures and proceeds are unpaid, the unclaimed amount will now earn a lesser interest rate.

      Can I withdraw interest from fixed deposit monthly? ›

      You can receive the interest income every month on a specified date. However, you will receive the principal amount back when the fixed deposit matures. Almost all financial institutions' fixed deposits, like Banks and deposit-taking Non-Banking Financial Companies (NBFCs), offer the monthly interest payout option.

      What is the rule for 5 years tax saver fixed deposit? ›

      Fixed Deposit Income Tax Deduction available under Section 80C. The tax-saving FD schemes have a lock-in period of 5 years and the deposit amount of up to Rs 1.5 lakh each financial year qualifies for tax deduction under Section 80C of the Income Tax Act.

      Is fixed deposit interest calculated monthly? ›

      In fixed deposits, the interest is accumulated on the deposited amount over a stipulated period of time running from monthly, quarterly and yearly.

      What is the interest rate on 50000 fixed deposit? ›

      List of NBFC FD Interest Rates for a ₹50,000 FD for 5 Years
      NBFCInterest RateMaturity Amount
      Bajaj Finance FD8.30%₹74,492
      PNB Housing Finance FD7.75%₹72,620
      Mahindra Finance FD8.00%₹73,466

      How do you calculate interest on 50000? ›

      The formula for calculating simple interest is:
      1. (P x r x t) ÷ 100.
      2. (P x r x t) ÷ (100 x 12)
      3. FV = P x (1 + (r x t))
      4. Example 1: If you invest Rs.50,000 in a fixed deposit account for a period of 1 year at an interest rate of 8%, then the simple interest earned will be:

      How is FD monthly payout calculated? ›

      You will have to convert the annual rate from percentage to decimal format (divide the rate by 100). Now, subtract 12 from the yearly rate (in the decimal form). To get your monthly rate, you will have to multiply the annual rate by the interest amount. Multiply the monthly rate by 100 to convert it to a percentage.

      How much interest will I get on fixed deposit? ›

      The fixed deposit interest rate ranges from 9% to 9.5% depending on the tenure of a fixed deposit account. Is interest earned on a fixed deposit taxable? Yes, the interest amount on a fixed deposit is taxable at the applicable slab rates. TDS @ 10% is deducted if the interest amount is greater than Rs 10,000.

      How much interest is charged on fixed deposit? ›

      Top 10 Tax Saving FD Interest Rates
      Name of the Tax Saving FDFor General Citizens (p.a.)For Senior Citizens (p.a.)
      Axis Bank Tax Saving FD6.10%6.85%
      Bank of Baroda Tax Saving FD5.65%6.30%
      IDFC First Bank Tax Saving FD6.50%Contact the bank
      Union Bank of India Tax Saving FD6.70%7.20%
      6 more rows
      Apr 3, 2023

      Which bank is best for fixed deposit? ›

      Earn up to 8.6% interest on FD
      • Yes Bank.
      • IndusInd Bank.
      • Punjab National Bank.
      • IDBI Bank.
      • Union Bank.
      • Citibank.
      • RBL Bank.
      • Indian Bank.

      How much interest on $100 000 dollars? ›

      How much interest can $100,000 earn in a year? If you put $100,000 in CDs, high-yield savings or a money market account for a year, you could earn anywhere from $3,000 to $5,000 based on current interest rates.

      What is 2% interest on $50000? ›

      Banks and credit unions offer money market accounts currently paying about 2%, which would produce $1,000 in interest on $50,000 over a year.

      How much is 10% interest on 50000? ›

      For example, if you invest Rs. 50,000 with an annual interest rate of 10% for 5 years, the returns for the first year will be 50,000 x 10/100 or Rs. 5,000. For the second year, the interest will be calculated on Rs. 50,000 + Rs. 5000 or Rs. 55,000. The interest will be Rs. 5550.

      How much is $20 000 at 5 percent interest? ›

      For example, if you take out a five-year loan for $20,000 and the interest rate on the loan is 5 percent, the simple interest formula would be $20,000 x .05 x 5 = $5,000 in interest.

      How much is 6% interest on $1000? ›

      Answer: $1,000 invested today at 6% interest would be worth $1,060 one year from now. Let us solve this step by step.

      Which is better monthly interest or annual? ›

      Monthly interest accounts allow you to earn interest more frequently than savings accounts which pay interest annually, so you could earn more from your savings.

      What is the formula for monthly deposit? ›

      CI = P(1 + (r/12) )12t – P is the formula of monthly compound interest where P is the principal amount, r is the interest rate in decimal form, and t is the time.

      What is 7 percent interest on 100000? ›

      On a 30-year $100,000 mortgage, a 7.00% fixed interest rate means paying approximately $139,509 in total interest charges, and a 15-year term may cost you around $61,789.


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