FD Ladder Calculator
Split a lump sum into FDs maturing every year — see each rung’s rate, maturity value and the total, and why laddering reduces rate and liquidity risk.
Updated 27 September 2026 · 25 banks trackedAbout the FD ladder calculator
An FD ladder divides your money into several FDs of different tenures (for example 1, 2, 3, 4 and 5 years). Every year one FD matures, giving liquidity, and you can reinvest it at the then-current long-term rate. It averages out interest-rate risk.
FD Ladder Calculator
Why ladder?
A part of your money is available each year without breaking an FD.
You are not stuck with one rate if rates rise; if they fall, longer rungs keep the old rate.
Interest is spread across years instead of bunching in one.
How the calculation works
Each rung: A = (P ÷ n) × (1 + r/400)^(4 × years). Rates default to the average of large-bank cards for each tenure — edit them to match your bank.
Frequently asked questions
How many rungs should a ladder have?
Three to five rungs spread over 1–5 years works for most people.
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.