About the FD Post-Tax Return Calculator
FD interest is added to your income and taxed at your slab rate. After tax and inflation, the real return can be very low. This calculator shows what you actually keep.
Enter your FD amount, rate, tax slab and the inflation you expect.
Formula used
Post-tax return = (interest − interest × slab × 1.04) ÷ deposit. Real return = (1 + post-tax return) ÷ (1 + inflation) − 1.
Frequently asked questions
Is there TDS on FD interest?
Banks deduct TDS if interest crosses a yearly limit. You can submit a form if your income is below the taxable limit.
Why is my real return so low?
High tax slabs and inflation take a big share of a 7% FD return.
How can I reduce tax on savings?
Compare options with different tax treatment, and check which regime saves you more tax.