Fixed Deposit Calculator with Quarterly Payouts – Calculate FD Returns & Interest

The Fixed Deposit Calculator with Quarterly Payouts is a useful tool that helps you estimate the regular income and final maturity value from your FD investment when interest is paid every quarter. This FD option is ideal for individuals who prefer consistent quarterly earnings while preserving their principal.

What is a Quarterly Payout Fixed Deposit?

In a quarterly payout FD, the bank pays the interest once every three months. The principal stays invested until the end of the tenure, while the interest is disbursed quarterly. This suits those who need frequent income, such as retirees or individuals with recurring expenses.

How the FD Calculator with Quarterly Payouts Works

To use the calculator, enter the following details:

Principal Amount (e.g., ₹1,50,000)
Tenure (e.g., 1 to 10 years)
Annual Interest Rate (e.g., 6.75%)
Payout Frequency: Quarterly

The calculator will show:

Quarterly Interest Income
Total Interest Earned
Maturity Value (Principal Returned)

Example

If you invest ₹3,00,000 for 5 years at 6.75% interest with quarterly payouts:

Quarterly Interest: ₹5,062.50
Total Interest Over 5 Years: ₹1,01,250
Maturity Value: ₹3,00,000 (principal only)

Benefits of Quarterly Payout FDs

Regular quarterly income
Great for managing household or recurring expenses
Low risk with assured returns
Perfect for senior citizens or income-focused investors

Tax Impact on Quarterly FD Interest

Interest income from quarterly FD payouts is fully taxable under “Income from Other Sources.” TDS is deducted if annual interest exceeds ₹40,000 (₹50,000 for senior citizens). To avoid TDS, eligible individuals may submit Form 15G or 15H.

Conclusion

The FD Calculator with Quarterly Payouts helps you plan your fixed deposit investments better by offering clear estimates of quarterly income and total earnings. Whether you’re planning for retirement, business expenses, or passive income, this tool supports smarter financial decisions.