It's a quick reference fixed deposit maturity chart preparation tool to find the maximum return on investment. FD is also a type of time value of money calculation but unlike recurring deposit, it's a one time investment for a certain rate of interest and time period which can't be withdrawn for a selected period of time. It also known as fixed deposit in India, certificate of deposit in United States, Bond in United Kingdom, Term Deposit in Canada, Australia and New Zealand and Time Deposit in some other countries. The 4 main terms used in this context are principal investment, rate of interest, time period and compounding frequency. This tool allow users to prepare the fixed deposit return chart for a different rates of interest and time periods for a certain amount of principal bank deposit or investment. It's an improvised version and an alternative to traditional fixed deposit return calculator to determine the future sum of money based on the range of interest percentage and time period variations for a certain amount of bank deposit. This certificate of deposit return chart is also available in pdf, excel, printable and downloadable format.
The investors always look for better rate of return or maximum return on their investments; therefore calculating which FD plan provides best return on investment becomes more essential. A traditional fixed deposit return calculator only calculates the return or maturity amount for a single set of interest rate and time period for a certain amount of bank deposit as fixed deposit but in contrast, this FD return chart preparation tool allows users to generate matrix of total returns or maturity amount for the different set of interest rates and time periods for a certain amount of investment or deposit.
To determine the time value of money or total return on a fixed deposit, follow the below steps to prepare the FD return chart based on the different percentage ranges and time period ranges for a certain amount of fixed deposit.
The main purpose of this chart is to provide a better user experience to perform the comparison between the different return on a fixed deposit based on the interest rate and time period variations. In the generated table of return on investment as fixed deposit maturity amount, look for suitable or desired return on investment and note down the percentage rate which is provided in the first row and time period in number of months provided in the first column of this chart.
To add more insight to the expected return on investment calculation, the fixed deposit calculator is integrated with in this FD maturity chart. The generated fd chart contains a matrix of maturity values to select from. Hit on a desired maturity value as return on investment redirect the user to the respective fixed deposit calculator for more insight for the selected maturity value; where user may find detailed calculation or more information of how much principal amount deposit, rate of interest, time period and compounding frequency each return on investment employed.
It's very obvious question to ask what type of interest calculation is used in this chart to find fixed deposit maturity amount, whether simple interest or compound interest, when users deal with rate of interest calculation. In FD or Bond maturity chart, the cumulative compound interest is used to determine the return on investment.
Any investors who are looking for best return on one time investment may use this chart tool to prepare the fixed deposit maturity chart to determine the wise return on an investment. This chart may be useful for investors to compare the different return on a fixed deposit for a different range of interest rates and time periods.
This FD chart is available in downloadable format. Users can download this chart alone except other content of this page in the following way.
This future value chart is also available in excel format. Due to technical reasons, this excel format FD chart only available for default values only. This format alone will not support user supplied values.
This fd chart is also available in printable format. The print can be taken in many ways but using the above print button provided on the top left side corner of this page only print the fd chart alone.