Use this RD calculator to check deposit discipline and maturity, not just the final number
Recurring deposits work well when the real goal is saving by habit rather than investing in one big chunk. The useful question is not only what the maturity value may be, but also how much of it came from deposits versus interest and how sensitive the answer is to tenure and rate.
This page estimates RD maturity from the monthly deposit, annual rate, and years you enter. It is useful for bank-style and post-office style planning, but it is still a planning model rather than a live product quote or an account statement.
Review context
Review basis: Rate assumptions reviewed against current small-savings references where applicable.
Built and reviewed by Atul Sharma, Founder, builder, and reviewer.
What this page helps you decide
- Projects recurring-deposit maturity from a monthly deposit schedule and annual rate.
- Separates total deposited amount from total interest earned.
- Shows a year-by-year or period-based growth view so the savings pattern is easier to read.
What this estimate leaves out
- It does not fetch bank-specific RD rates or penalty rules automatically.
- It does not model missed deposits, delayed deposits, or premature closure charges.
- It does not replace a bank or post-office maturity statement.
Deposit pattern and maturity logic
Unlike a lump-sum deposit, an RD grows through repeated monthly contributions. That means the first few deposits get the most compounding time and the later deposits get the least. This is why RD maturity cannot be read like a simple one-time principal formula.
The estimate on this page uses the current deposit pattern and compounding basis built into the calculator. It is good for planning, but actual product outcomes can vary with bank rules, deposit dates, and rate changes outside the assumptions shown here.
Examples
Bank-style RD habit
- Monthly deposit: ₹5,000
- Tenure: 5 years
This is the classic recurring-saving use case: a manageable monthly amount that grows into a defined medium-term corpus.
Post-office style planning
- Need: Use a reviewed small-savings rate as the starting assumption
- Focus: Maturity estimate and total interest
This helps when the purpose is safe savings planning rather than return maximisation.
Shorter-term goal funding
- Goal: Build a savings pot over 2 to 3 years
- What matters: Monthly affordability plus final maturity
A shorter horizon can still be sensible if the RD is serving a known purchase or contingency goal.
How to use this RD Calculator
- Enter the monthly deposit amount you plan to commit to the RD.
- Set the annual rate and total tenure you want to model.
- Read the maturity value, total deposits, and interest together before deciding whether the RD fits the savings goal.
Common mistakes
- Treating the RD like a one-time principal instead of a monthly deposit stream.
- Ignoring that missed or delayed deposits can change the real maturity outcome.
- Comparing an RD directly with higher-risk investments without considering the different purpose and liquidity profile.
Edge cases and limitations
- Bank and post-office products can have different operational rules on missed instalments or premature closure.
- If rates change over time, the real account may not behave exactly like the constant-rate estimate shown here.
Methodology and review basis
Built and reviewed by Atul Sharma • Last updated 2026-03-22
This page estimates RD maturity from a fixed monthly deposit stream, the annual rate entered on the page, and the current compounding assumptions used by the calculator. It is intended for savings planning, not for product-specific operational edge cases.
Site-wide review standards live in the review methodology and sources policy.
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Questions that usually come up
- Is this only for post-office RD?
- No. It is a generic recurring-deposit planning tool and can be used for bank-style or post-office style planning.
- Does monthly deposit timing matter?
- Yes. Earlier deposits compound for longer, which is why recurring-deposit maturity differs from a one-time deposit formula.
- Does the page include missed-deposit penalties?
- No. It assumes the deposit schedule entered on the page happens normally.
- Can I use this to compare RD and FD?
- Yes, but remember they solve different jobs. An RD builds a corpus gradually, while an FD assumes money is available upfront.
- Is the result an official maturity value?
- No. It is a planning estimate and not a bank or post-office statement.