🪵 FD Ladder Calculator
Instead of one big FD, split your money into equal FDs maturing every year — you get yearly liquidity, average out rate cycles, and can reinvest each rung at prevailing rates.
Total Maturity Value (all rungs)
₹0
Total Interest Earned₹0
Each rung uses quarterly compounding at the same average rate; in practice longer tenures often pay slightly more. When a rung matures, reinvest it for the longest tenure to keep the ladder rolling — you always have an FD maturing within 12 months for emergencies, without breaking any FD early. Estimates only.