FDR Calculator
FinanceUse this FDR calculator for Bangladesh to estimate the interest and maturity amount of a Fixed Deposit Receipt. Choose simple interest or a compounding frequency to match how your bank calculates FDR profit.
Your estimate
Estimates only — verify important figures with official sources.
How it works
For simple interest, the amount grows linearly: A = P × (1 + r × t). For compounding, interest is added at the chosen frequency: A = P × (1 + r/m)^(m×t). The frequency you select should match your bank product's convention.
Formula
Simple: A = P × (1 + r × t)
Compound: A = P × (1 + r/m)m×t
P = principal · r = annual rate · t = years · m = compounding periods per year
Example calculation
Deposit ৳500,000 at 7% per year for 12 months, compounded monthly:
- Maturity amount ≈ ৳536,145
- Interest earned ≈ ৳36,145
Important notes
- This tool does not reproduce any bank’s official rate list.
- FDR interest may be subject to tax or premium terms on early withdrawal — check your product.
Prefer monthly saving? Compare with the DPS Calculator — or read DPS vs FDR: which is better.
Frequently Asked Questions
An FDR (Fixed Deposit Receipt) is a fixed-term deposit product offered by banks in Bangladesh. You deposit a lump sum for a fixed tenure and earn interest, usually paid at maturity.
With simple interest, interest is not reinvested. With compounding, each period’s interest earns more interest, so the maturity value is higher. Different banks use different conventions.
No. You enter the rate yourself. Rates change frequently and vary by bank and tenure, so check the latest published rates before investing.
Banks pay FDR profit either at maturity on a simple basis or compounded at the payout frequency. This calculator supports both conventions so you can match your fixed deposit receipt.
Related guides
FDR figures are estimates for planning. Actual interest depends on the bank\u2019s rate, compounding convention, tenure and applicable terms.
Last updated: September 2026