Fixed Deposit (TDR) Calculator
Calculate TDR fixed deposit interest paid out monthly, quarterly or yearly.
Enter your values to see the result.
Results are estimates for planning only. Actual figures depend on your lender or bank, fees, rounding and the exact dates used, so confirm the numbers before you sign anything.
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- Fixed Deposit (STDR) Calculator — Compare with a compounding STDR deposit.
- Recurring Deposit (DPS) Calculator — Plan a monthly savings scheme.
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How to use the Fixed Deposit (TDR) Calculator
A Term Deposit Receipt (TDR) is a fixed deposit that pays you interest at regular intervals instead of reinvesting it, which makes it popular with savers in Pakistan, Bangladesh and India who want a steady income. This calculator shows the interest you receive each payout, total interest before and after tax, the maturity date and a full payout schedule.
- 1 Enter the deposit amount, annual interest rate and the term in years, months or days.
- 2 Choose how often you want to receive interest and, if your bank deducts it, the tax rate on profit.
- 3 Pick the start date to see each payout date and the maturity date.
Example and practical tips
A deposit of 500,000 at 10% for 1 year with monthly payouts pays about 4,166.67 each month, 50,000 in total. If 15% tax is withheld, you receive about 42,500 over the year.
Frequently asked questions
What is the difference between TDR and STDR?
A TDR pays interest out on a schedule, so your deposit stays the same. An STDR (Special Term Deposit Receipt) reinvests interest so it compounds, giving a larger amount at maturity.
Is TDR interest simple or compound?
Because the interest is paid out rather than added to the deposit, it is simple interest on the original amount.
Is tax deducted from TDR profit?
In many countries banks deduct withholding tax on profit at a set rate. Enter your rate to see the amount you actually receive.