RD Calculator
Recurring Deposit · Monthly Savings · SBI · Post Office · Senior Citizen Rates
Free RD Calculator India 2026 — SBI, Post Office, HDFC Recurring Deposit
This RD Calculator computes your Recurring Deposit maturity amount instantly. Unlike FD where you invest a lump sum once, RD lets you invest a fixed amount every month — ideal for salaried employees, students, and homemakers saving systematically from monthly income.
Bank RD Rates & Senior Citizen Rates
RD rates vary by bank and are revised frequently — as a starting point, government-backed Post Office RD is generally the safest option, while private banks like HDFC and small finance banks like Bandhan often run higher. Senior citizens (age 60+) typically receive an additional 0.5% at most banks. Use the preset buttons for a quick starting rate, then adjust to your bank's exact current published rate — this calculator includes a one-click Senior Citizen toggle to instantly see the higher maturity amount. All RD deposits are insured up to ₹5 lakh per depositor per bank under DICGC.
RD vs FD — Real Comparison Built In
This RD vs FD comparison box shows side-by-side results: the same total amount invested as a lump sum FD vs monthly RD installments. FD gives higher returns because the full principal earns interest from day one, while RD installments each earn for a shorter duration. Choose RD if you don't have a lump sum — great for NRIs in USA, UK, UAE, and Australia opening NRO RD accounts to save regularly in India.