Tool

FD Real Return Calculator

Your 7.5% FD does not give you 7.5%. Enter your details to see what you actually take home after TDS and inflation.

Deposit amount₹10.00L

FD interest rate (%)7.5%

Tenure (years)1 year

Your tax bracket

Inflation rate (%)5.1%

Senior citizen (₹50K interest exempt under 80TTB)

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Your real return

7.5%

Advertised

→

0.15%

After tax + inflation

Gross interest earned₹75,000

TDS (30% tax)-₹22,500

Post-tax interest₹52,500

Post-tax rate5.25%

Inflation erosion-₹51,000

Real gain (purchasing power)₹1,500

Positive real return

Your ₹10.00L deposit will grow to ₹10.02L in real purchasing power after 1 year.