SBI FD Calculator 2026 | Calculate Maturity Amount Online
Use this SBI FD calculator to estimate maturity value in seconds. Enter amount, tenure, and customer type to get instant principal + interest results.
If you are comparing options, you can also check the HDFC FD calculator and ICICI FD calculator for side-by-side planning.
12 months
Maturity amount
₹1,06,614
- Maturity date—
- Interest earned₹6,614
- Periodic payout—
- Principal₹1,00,000
Formula used
Cumulative FD uses A = P x (1 + r/4)^(4t), with t in years.
On this page
What is the SBI FD calculator?
The SBI FD calculator is a free online tool that helps you estimate fixed deposit returns without manual formulas. It shows your maturity amount, total interest earned, and estimated maturity date in one view.
This page mirrors the typical SBI calculator flow: choose customer type, set deposit tenure, and check estimated returns instantly.
If you are new to deposits, start with what is fixed deposit and then review FD interest rates before selecting your tenure.
How to use the SBI FD calculator
- Enter your deposit amount (minimum ₹1,000).
- Select customer type (Regular or Senior Citizen).
- Set tenure in months and extra days.
- Choose FD type (Cumulative / Monthly / Quarterly payout).
- View maturity amount and interest breakdown instantly.
The tool auto-selects a suggested rate based on tenure and customer type, and recalculates in real time.
For better decision-making, you can compare this output with our FD vs savings account guide.
You can also use our free FD calculator if you want a broader, bank-agnostic estimate.
Formula behind the calculator
For cumulative deposits, the calculator uses quarterly compounding:
A = P × (1 + r/4)^(4t)
For monthly and quarterly payout options, it uses a simple-interest approximation for payout estimates.
You can read a deeper breakdown in simple vs compound interest.
SBI FD interest rates (indicative 2026 slabs)
| Tenure | Regular | Senior Citizen |
|---|---|---|
| Up to 45 days | 3.50% | 4.00% |
| 46 days to 3 months | 4.00% | 4.50% |
| 3 to 6 months | 5.00% | 5.50% |
| 6 to 12 months | 6.00% | 6.50% |
| 1 to 2 years | 6.45% | 6.95% |
| 2 to 5 years | 6.45% | 7.05% |
These are indicative planning rates used for calculator guidance. Please verify final applicable rates on SBI's official calculator before booking.
For full market context, explore our bank-wise rate overview in FD interest rates and more resources in articles.
Frequently asked questions
Is this SBI FD calculator free?
Yes. You can use it as many times as you want without login.
Does it support senior citizen rates?
Yes. Switch customer type to Senior Citizen to apply higher rate slabs.
Are these returns exact?
Returns are estimates. Final maturity can vary slightly due to bank day-count, payout cycle, and policy updates. See our disclaimer for details.