| Year | Total Principal | Total Interest | Future Value |
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Calculate your recurring deposit returns with our free RD Calculator. Estimate monthly deposit yields, quarterly compounding interest, multi-currency values, and growth schedules with 100% offline privacy.
Input your regular monthly recurring deposit contribution and annual percentage interest rate.
Specify tenure in years/months and choose quarterly, monthly, or yearly compounding frequency in Settings.
Instantly inspect total maturity wealth, total interest earned, visual ratio split, and detailed yearly projection schedule.
Your financial figures are processed entirely inside your browser using client-side JavaScript. Nothing ever travels over a network to any server — making BunchTool 100% private.
Calculations run locally in real time as you adjust inputs or change currency options. Maturity amounts and growth schedules update instantly without page reloads.
Supports USD, EUR, GBP, INR, JPY, SEK, PLN, CHF, AUD, and CAD formatting alongside quarterly, monthly, and annual compounding frequencies.
Recurring Deposits (RD) are term deposits that allow investors to deposit a fixed amount every month while earning guaranteed compound interest.
The quarterly compounding RD maturity formula is:
\(\text{Maturity Wealth} = \sum_{i=1}^{n} P \times \left(1 + \frac{r}{4}\right)^{4 \times t_i}\)
Where \(P\) is the monthly deposit, \(r\) is annual interest rate fraction, and \(t_i\) is remaining duration in years for installment \(i\).
While Fixed Deposits require a lump-sum payment upfront, Recurring Deposits allow disciplined monthly wealth accumulation with quarterly compounding benefits.