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About this tool
Split a lump sum across staggered FD tenures and see each rung's maturity, date and the blended average yield.
Fixed Deposit Ladder Planner splits one lump sum across several FDs of staggered tenures so a deposit matures at regular intervals instead of everything being locked until a single date. It compounds each rung quarterly the way cumulative bank FDs do, applies a rising rate to longer rungs, and reports every rung's amount, rate, maturity value and maturity date alongside the blended yield and weighted average tenure. It is aimed at savers parking a bonus, retirement payout or emergency fund who want both liquidity and long-tenure rates.
Open Fixed Deposit Ladder Planner on AltFTool — it loads instantly in your browser.
Enter the values you already know.
Fine-tune the options to match your scenario.
Read the result and use it in your planning or reporting.
Each deposit shows its amount, rate, maturity date and interest, not just a single total.
Reports the weighted average effective yield and average tenure of the whole ladder.
Equal, short-tenure heavy or long-tenure heavy allocation with one dropdown.
Instead of one deposit for one tenure, you divide the money into several FDs maturing at staggered dates. Something matures regularly for liquidity, while the rest keeps earning higher long-tenure rates, and reinvesting each maturity smooths out interest-rate changes.
Each rung uses the cumulative FD formula with quarterly compounding: maturity = principal x (1 + rate/400) raised to (4 x years). This matches how most Indian banks compute cumulative fixed deposits.
Premature withdrawal usually attracts a penalty of around 0.5% to 1% and the rate applicable for the period actually held. A ladder reduces the need to break deposits because a rung matures regularly. This is informational, not personalised advice.
FD interest is taxable at your income slab rate in the year it accrues. Banks deduct TDS at 10% once interest paid to you in a financial year crosses Rs 50,000 (Rs 1,00,000 for senior citizens); Form 15G or 15H can be filed if your income is below the taxable limit.
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