投资
即时、私密且免费
RD 计算器.
定期存款到期金额与利息
设备端计算无需注册
01
输入数值
输入时结果会更新。
02 / 答案
到期价值: US$144,021.05
已投入金额: US$120,000.00
已赚利息: US$24,021.05
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Cite this calculator
Canonical URL: https://mathify.one/zh/investment/rd
Cite as: Mathify. (2026). RD 计算器. https://mathify.one/zh/investment/rd
Use Cases
Compare different RD schemes
By adjusting the monthly deposit, interest rate, and tenure, you can compare the maturity values of different recurring deposit plans offered by banks or financial institutions.
Example: Compare a 5-year RD at 5% vs. 6% to see the difference in returns.
Frequently Asked Questions
- How does the RD calculator work?
- The RD calculator computes the maturity value of a recurring deposit using the monthly deposit amount, the annual interest rate, and the number of years. It applies the standard formula for recurring deposits, which accounts for monthly compounding, to estimate the total amount you will receive at maturity.
- What inputs do I need to use the RD calculator?
- You need to provide three inputs: the monthly deposit amount (in dollars), the annual interest rate (in percent), and the tenure in years. Once you enter these values, the calculator will instantly show the maturity value.
- Is the RD calculator result accurate?
- The RD calculator provides an estimate based on the inputs you provide. It assumes a fixed interest rate for the entire tenure and monthly compounding. Actual maturity values may vary if the interest rate changes or if the bank uses a different compounding frequency.
Tips & Common Mistakes
Tips
- Ensure you enter the monthly deposit amount in dollars, not the total annual deposit.
- Use the current interest rate offered by your bank for the most accurate estimate.
- For longer tenures, even a small increase in the interest rate can significantly boost your maturity value.
- Remember that the RD calculator assumes monthly compounding; check with your bank if they compound differently.
Common Mistakes to Avoid
- Entering the annual deposit instead of the monthly deposit amount.
- Using a nominal annual rate without converting it to the monthly rate, which the calculator handles automatically.
- Assuming the maturity value is guaranteed; it is an estimate and may vary with actual interest rates.
Last updated: August 13, 2026