🔍 vs Google
FD Calculator vs Google — Bank-wise Rates, Senior Citizen Bonus
Quick Answer
Google Calculator requires you to know the current FD rate and enter it manually. CalcCrack FD Calculator has bank-wise rates built in (SBI, HDFC, ICICI, Axis, and more), automatically adds the senior citizen bonus rate (typically +0.25% to +0.5%), shows TDS deduction, and displays the maturity amount with and without TDS.Why CalcCrack beats Google Calculator
- ✓Bank-wise FD rates built in — SBI, HDFC, ICICI, Axis, Kotak, PNB, Bank of Baroda, and more
- ✓Senior citizen rate automatic loading — no need to look up the bonus separately
- ✓TDS display — see post-TDS maturity if interest exceeds ₹40,000 (₹50,000 for seniors)
- ✓Quarterly, monthly, and cumulative FD modes
- ✓Compare two FDs side by side — different banks or tenures at a glance
Feature Comparison
| Feature | CalcCrack 🏛️ | 🔍 Google Calculator |
|---|---|---|
| India-specific rules & data | ✓ | × |
| Multi-step calculation | ✓ | × |
| Detailed breakdown | ✓ | × |
| Shareable results | ✓ | × |
| Save & revisit calculations | ✓ | × |
| Basic arithmetic | ✓ | ✓ |
| Voice input | × | ✓ |
Use FD Calculator on CalcCrack
India-specific calculation — more than Google Calculator can do. Free, no sign-up.
Frequently Asked Questions
Does Google know current FD interest rates?+
No. Google Calculator is a math tool — it does not have live bank data. You would need to look up the rate separately and enter it manually. CalcCrack has bank rates built in and updated regularly.
What is the TDS threshold on FD interest?+
TDS at 10% is deducted if annual FD interest exceeds ₹40,000 (₹50,000 for senior citizens). If your PAN is not linked, TDS is 20%. You can avoid TDS by submitting Form 15G (general) or Form 15H (senior citizen) if income is below taxable limit.
How is FD interest compounded?+
Most bank FDs compound quarterly. Some banks offer monthly interest payout options. Cumulative FDs reinvest interest; non-cumulative FDs pay out interest periodically.
What is the difference between cumulative and non-cumulative FD?+
Cumulative FDs reinvest interest until maturity, giving a higher total amount. Non-cumulative FDs pay interest monthly or quarterly — suitable for those who need regular income.
Related Calculator
🏛️FD Calculator
Fixed deposit maturity calculator
Disclaimer: This page is for informational purposes and does not constitute financial, tax, or investment advice. Tax rules and rates are as per FY 2025-26 and subject to change. Always consult a SEBI-registered advisor or Chartered Accountant before making financial decisions.