Nepal Fixed Deposit Calculator

Calculate Your FD Returns

Principal Amount (NPR)

Enter the amount you plan to deposit

Annual Interest Rate (%)

Enter the annual interest rate offered by your bank

Tenure (Years)

Investment period in years

Compounding Frequency

How often interest is calculated and added

Calculation Results

Principal Amount: -

Interest Rate: -

Tenure: -

Compounding: -

Maturity Amount: -

Interest Earned: -

Pro Investment Tip

Enter your details and calculate to see optimized investment strategies.

Shareable Results

How It Works

Enter Your Details

Input your principal amount, interest rate, tenure, and compounding frequency

Calculate Instantly

Get accurate maturity amount and interest earned calculations in seconds

Optimize Strategy

Receive pro tips to maximize your returns with better calculation options

Pro Tips for Fixed Deposits

Interest Rate Strategy

• Compare rates across multiple banks and financial institutions
• Senior citizens often get 0.5-1% higher interest rates
• Special schemes may offer better rates for longer tenures

Tenure Planning

• Longer tenures usually offer higher interest rates
• Consider laddering FDs with different maturity dates
• Align FD maturity with your financial goals

Compounding Benefits

• Monthly compounding yields highest returns
• Quarterly compounding balances returns and liquidity
• Understand the power of compound interest over time

Safety & Tax Planning

• FDs are insured up to NPR 500,000 in commercial banks
• Interest income is taxable above certain thresholds
• Keep proper documentation for tax purposes

Common Use Cases

Retirement Planning

Calculate long-term FD investments for retirement corpus building with safe returns

Education Fund

Plan for children's education expenses with fixed maturity amounts and dates

Emergency Fund

Create liquid but earning emergency funds with short-term FDs

Tax Saving

Utilize FDs for tax planning while earning guaranteed returns

Wealth Preservation

Protect capital while earning better returns than savings accounts

Goal-Based Saving

Save for specific goals like marriage, travel, or down payment

Frequently Asked Questions

What is a Fixed Deposit Calculator?

A Fixed Deposit Calculator helps you calculate the maturity amount and interest earned on your fixed deposit investment based on principal amount, interest rate, tenure, and compounding frequency.

How accurate is this FD calculator?

Our calculator provides highly accurate estimates based on standard compound interest formulas. However, actual returns may vary slightly based on your bank's specific calculation methods and rounding policies.

What is compounding frequency?

Compounding frequency refers to how often interest is calculated and added to your principal. Common options are monthly, quarterly, semi-annually, or annually. More frequent compounding generally yields higher returns.

Are FD interest rates taxable in Nepal?

Yes, interest earned from fixed deposits is taxable income in Nepal. The tax rate depends on your total income and current tax laws. Always consult with a tax advisor for specific guidance.

What happens if I withdraw my FD early?

Early withdrawal of fixed deposits usually results in penalty charges and reduced interest rates. Most banks pay interest at the savings account rate or a predetermined penalty rate for premature withdrawals.

Which banks offer the best FD rates in Nepal?

FD rates vary between banks and change frequently. Development banks and finance companies often offer higher rates than commercial banks. Always check current rates with multiple institutions before investing.

Can I get a loan against my fixed deposit?

Yes, most banks in Nepal offer loans against fixed deposits, typically up to 90% of the deposit value. The interest rate on such loans is usually 1-2% above your FD interest rate.