FD Calculator Nepal

A fixed deposit is a lump sum you lock with a bank or financial institution for a fixed term — 3 months, 1 year, 5 years — at an agreed interest rate. In return for locking your money, the bank pays a higher rate than a savings account. At maturity you get your principal back plus interest.

This calculator uses the standard compound-interest formula: A = P × (1 + r/n)^(n×t), where P is your deposit, r is the annual rate, n is the number of compounding periods per year and t is the tenure in years. Most Nepali banks compound FD interest quarterly, which is the default here — change it to match your bank's terms.

Rates differ by bank, tenure and depositor type, and banks revise their published rates regularly — sometimes monthly. Always enter your own bank's current published rate for the exact tenure you plan. This calculator never assumes a rate for you.

Yes — banks withhold tax on the interest (commonly 5% for individual depositors) before payout, so the amount you actually receive is slightly less than this calculator's gross figure. Tax rules can change, so confirm the current rate with your bank.

Usually yes, but banks typically pay a reduced rate or charge a penalty for premature withdrawal, as per their published terms. If you might need the money early, check your bank's premature-closure rule before opening the FD.

For money you will not need during the term, an FD almost always earns more because the rate is higher and locked in. A savings account earns less but lets you withdraw anytime. Many people keep emergency money in savings and goal-based money (a year or more away) in FDs.

Match the tenure to when you need the money — a fee due in 1 year suits a 1-year FD. Longer tenures often carry higher rates, but locking money you will need early triggers penalties. Splitting a large sum across multiple tenures (laddering) keeps some money maturing sooner.

Yes — every input is mirrored in the page address, so just use the "Copy result link" button and send it on Viber, Messenger or Facebook. Whoever opens the link sees the calculator with your exact inputs and result. Nothing is uploaded or stored anywhere.