Free online tool
FD Calculator
Fixed deposit maturity with compounding and payout options.
Maturity value: Rs 585,830
Interest earned: Rs 85,830
Before tax on interest (banks deduct TDS). Compare rates across banks - small % differences compound a lot.
Fixed Deposits in Nepal: How to Compare and Choose
Fixed deposits lock money with a bank for a set period at a fixed rate. They suit goals 1-5 years away and emergency-fund portions you must not touch.
Compare the effective maturity - not just the headline rate. Payout frequency, premature-break penalties and TDS change the real return.
- 1. Compare maturity, not just rate: Run each offer through the FD calculator with its payout frequency. Quarterly compounding on 8% beats yearly payout on 8.1% more often than people expect.
- 2. Match tenure to the goal: Money needed in a year should not sit in a 3-year FD. Ladder deposits (split across tenures) for flexibility.
- 3. Read break rules: Ask the penalty for premature withdrawal and whether partial breaks are allowed before signing.
- 4. Remember TDS: Banks deduct tax at source on interest. Your calculator figure is pre-tax - budget accordingly.
How to use this tool (3 steps)
- Enter your numbers or text in the boxes above - results update instantly.
- Adjust options like quality, rates or dates to compare scenarios.
- Use copy, download or share to save your result. Nothing is uploaded.
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