FD Post-Tax Return Calculator
Find your real FD return after income tax and inflation — choose your tax slab, see TDS, net maturity and the post-tax yield.
Updated 30 September 2026 · 25 banks trackedAbout the Post-tax FD calculator
FD interest is added to your income and taxed at your slab rate every year. This calculator shows the interest, the tax on it (with 4% cess), TDS that the bank will deduct, and the post-tax and inflation-adjusted yield.
FD Post-Tax Return Calculator
Post-tax yield at different slabs
| FD rate | 0% slab | 5% | 10% | 20% | 30% |
|---|---|---|---|---|---|
| 6.50% | 6.66% | 6.31% | 5.97% | 5.27% | 4.58% |
| 7.00% | 7.19% | 6.81% | 6.44% | 5.69% | 4.94% |
| 7.50% | 7.71% | 7.31% | 6.91% | 6.11% | 5.31% |
Effective annual yield after tax at slab rate plus 4% cess. Compare with inflation (CPI) to judge the real return.
How the calculation works
Post-tax yield ≈ effective annual yield × (1 − slab rate × 1.04). Real return ≈ (1 + post-tax yield) ÷ (1 + inflation) − 1. TDS = 10% of interest credited in a year once interest from that bank exceeds ₹50,000 (₹1 lakh for seniors).
Frequently asked questions
Is TDS the final tax?
No. TDS is 10%; if your slab is higher you pay the balance when filing, and if lower you get a refund.
Information is for education and comparison. Rates and rules change — confirm with your bank and a tax adviser before investing. FinancePortal is not a financial or tax adviser.