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.
Processing and privacy
Processing varies by tool. Check the instructions for local processing, server requests, external services and any file or request limits before entering sensitive information.
Read the privacy policyHow this calculation works
Understand the method, inputs and limits behind your result.
- Formula
- Gross simple interest = deposit × annual rate/100 × term(years). Net interest = gross interest × (1 − tax/100); divide annual interest by payout frequency for regular payouts.
- Variables
- Deposit amount
- Annual interest rate
- Term
- Unit: Years, Months, Days
- Receive interest: Monthly, Quarterly, Every 6 months, Yearly, At maturity
- Tax deducted on interest (optional). e.g. withholding tax on profit, if your bank deducts it.
- Start date
- Units
- Annual interest rate: %
- Tax deducted on interest (optional): %
- Use the same selected currency for all monetary inputs. Changing the symbol does not convert exchange rates.
- Example
- 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.
- Assumptions
- 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.
- Source
- ToolzHive calculation guide and calculator implementation. External reference verification is pending.
- Last reviewed
- Review date not yet recorded.
Methodology & References
The method depends on the selected model and input options. Review the assumptions and references above before interpreting the result.
- Enter the deposit amount, annual interest rate and the term in years, months or days.
- Choose how often you want to receive interest and, if your bank deducts it, the tax rate on profit.
- Pick the start date to see each payout date and the maturity date.
Interpretation and limitations
- 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.
References
External reference verification is pending. The formula and examples describe the current ToolzHive implementation.
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Clear instructions
Find steps, examples and limitations below.
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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.
Practical guides
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How to Use Fixed Deposit (TDR) Calculator
Calculate TDR fixed deposit interest paid monthly, quarterly, half-yearly or yearly, with tax deduction, maturity date and payout schedule. Free calculator.
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