Reverse FD Calculator
Find out how much to invest to earn your desired income
Calculator Settings
I want to earn
Target Earning (per month)
Amount you want to receive per month
Annual Interest Rate
The FD interest rate offered by the bank
Required Investment
Rs. 6,000,000.00
to earn Rs. 50,000.00 per month
Monthly Earnings
Rs. 50,000.00
Annual Earnings
Rs. 600,000.00
Invest Rs. 6,000,000 at 10% p.a. to receive Rs. 50,000 every month as interest income.
Find the principal needed to earn your target income
How this reverse fixed deposit calculator works
This reverse FD calculator estimates the principal amount you need to invest to reach a target interest income. For monthly and annual income modes, it uses simple interest assumptions with the annual rate you enter.
In at-maturity mode, it uses monthly compounding over the selected term and computes the principal required to generate your target maturity profit.
Assumptions and limitations
Rates vary by bank, tenure, customer profile, and promotional campaigns in Sri Lanka. The calculator does not include withholding tax, premature withdrawal penalties, or special payout schedules.
Use this result as a planning baseline, then verify exact FD terms with your bank before placing a deposit.
Frequently asked questions
How much fixed deposit is needed for monthly income?
Select the Monthly mode, enter your target monthly income and interest rate, and the calculator returns the principal needed to generate that monthly interest.
Does this include tax deductions?
No. The output is a gross estimate. If your bank or product applies taxes or charges, your net income can be lower.
When should I use at-maturity mode?
Use it when your objective is a target profit at the end of a fixed term, rather than recurring monthly or annual income payouts.
Set a target income from your FD and solve for lump sum principal. Pairs with the standard FD calculator when you want forward projections instead.
Frequently asked questions
- Why would I use reverse mode?
- When you know living costs or a target allowance, you can see how much capital you need at a given interest rate.
- Is the rate guaranteed?
- Use the rate your bank offers today. Rates change when you roll over at maturity.
- What about tax on interest?
- Net spendable income may be lower after withholding or tax. Adjust your target upward if needed.