RD Calculator for 2 Years
Tenure pre-filled to 2 years — edit the monthly deposit and rate to see your maturity.
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2-year RD, pre-filled
This page opens the RD Calculator with the tenure already set to 2 years (24 months), so you can go straight to entering your actual monthly deposit and rate.
The maturity value at the calculator's defaults
At the default ₹5,000 monthly deposit and 6.8% rate with quarterly compounding — the Indian bank standard for RDs — a 2-year RD matures to ₹1,28,829, earning ₹8,829 in interest on ₹1,20,000 deposited.
Change the monthly deposit or rate
Both the monthly amount and rate fields stay fully editable — enter the exact figures from your bank's current RD rate card for a precise maturity value.
RD Calculator Pre-Filled to 2 Years
This is the RD Calculator with the tenure field already set to 2 years (24 months), so you can jump straight to entering your monthly deposit and rate. At the calculator's own defaults of ₹5,000/month and 6.8%, it matures to ₹1,28,829.
Quarterly Compounding, Installment by Installment
Each monthly installment compounds quarterly for its own remaining tenure — the exact method Indian banks use to quote RD returns — rather than the whole balance compounding together like an FD. That is why an RD earns less total interest than an FD of the same rate and total amount.
Editing Away From the 2-Year Default
The 2-year tenure is only a pre-fill — every field, including the tenure, monthly deposit and rate, stays fully editable. Enter the exact terms from your bank's current RD rate card for a precise maturity figure.
Frequently asked questions
What does a 2-year RD mature to?
At the calculator's default ₹5,000/month deposit and 6.8% rate, a 2-year RD matures to ₹1,28,829 — ₹8,829 in interest on ₹1,20,000 deposited. Both the amount and rate are fully editable.
Can I change the 2-year tenure?
Yes — the tenure is pre-filled to 2 years but stays fully editable, along with the monthly deposit and rate.
Why is RD interest lower than FD at the same rate?
In an FD the full amount earns interest from day one. In an RD, only your first installment stays invested for the whole tenure — the last one earns interest for just a month.
Is this the same formula as the main RD Calculator?
Yes — each installment compounds quarterly for its own remaining tenure, the same method Indian banks use, just with the tenure pre-filled.
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Data verified: 2026-07-17 · All processing happens in your browser — no files are ever uploaded.