Question 1

How do I calculate RD maturity online free?

Accepted Answer

Enter your monthly deposit, interest rate and tenure above. The RD Calculator shows maturity value, total invested and interest instantly, free with no login.

Question 2

What is the RD interest rate in 2026?

Accepted Answer

Most Indian banks offer 6.5% to 7.5% on recurring deposits, with senior citizens getting about 0.5% extra. Post office RD is 6.7%. Always confirm the live rate with your bank.

Question 3

Is RD interest taxable?

Accepted Answer

Yes, RD interest is fully taxable at your income slab rate, and banks deduct 10% TDS if yearly interest exceeds ₹40,000 (₹50,000 for senior citizens).

Question 4

RD vs FD vs SIP — which is better?

Accepted Answer

RD suits fixed monthly savers with zero risk. FD suits lump sums. SIP can beat both over long periods but carries market risk. This calculator shows exact RD numbers so you can compare.

Question 5

Is this RD Calculator free?

Accepted Answer

Yes, completely free with no sign-up. Use it unlimited times on mobile or desktop.

Question 6

What formula does this RD Calculator use?

Accepted Answer

It uses monthly compounding: maturity equals monthly deposit multiplied by [((1 plus r/12) to the power months minus 1) divided by (r/12)], a standard bank estimate.