Fixed Deposit (FD)

This Google Sheet template is a comprehensive tool for planning and visualizing high-growth savings strategies. It is specifically designed for investors who make regular monthly contributions (SIP style) and want to track how quarterly or custom compounding impacts their total returns.

Key Features:

Recurring Contribution Logic: Unlike basic FD calculators, this template handles monthly capital injections (e.g., adding 1,00,000 monthly), making it perfect for Recurring Deposits (RD) or systematic savings planning.

Flexible Compounding Cycles: The "Interest Once every..." selector allows you to customize the interest payout frequency (e.g., every 3 months) to match your specific bank's compounding rules.

Growth Visualization: The "Add to Principal" payout mode automatically reinvests your earnings, showing the power of compounding directly in the final total.

Detailed Amortization Schedule: A generated month-by-month ledger clearly separates your Principal (money you put in) from Interest (money earned), providing a transparent view of your investment's performance at any specific date.

Instant Executive Summary: The dashboard header provides a quick snapshot of your Invested Amount vs. Estimated Return and Total Maturity Value.