Mastering
Fixed Deposits
Why Compounding Frequency Matters?
Banks often quote annual rates, but they calculate interest quarterly. This means you earn interest on your interest four times a year. Tederr's FD Expert lets you toggle between Monthly, Quarterly, and Annual compounding to see the real impact on your wealth.
Senior Citizen Benefits
In India, most banks offer 0.50% higher interest to individuals above 60 years. Our tool includes this toggle to give senior citizens a realistic maturity projection, including potential TDS deductions.
Expert Strategy
What is FD Laddering?
Don't lock all your money in one 5-year FD. Split it into five FDs (1yr, 2yr, 3yr, 4yr, 5yr). Every year, one FD matures, giving you liquidity and the chance to reinvest at higher rates if interest rates go up. This is the "Tederr Strategy" for maximum safety.
Inflation: The Silent Wealth Killer
If your FD gives 7% and inflation is 6%, your real gain is only 1%. Our "Inflation Reality Check" shows you the true value of your money at the time of maturity, adjusted for future purchasing power.