Calculadora RD
Calcule el valor futuro de sus inversiones RD con proyecciones precisas e informes detallados.
Investment Details
Results Summary
| Año | Monto Invertido | Interés Ganado | Valor al Vencimiento |
|---|---|---|---|
| Total | $0 | $0 | $0 |
Fórmula Utilizada
How to Use This Calculator
Key Benefits of RD
What is RD (Recurring Deposit)?
A Recurring Deposit (RD) is a structured investment methodology offered by mutual funds that allows you to invest a fixed amount of money at regular intervals—typically weekly, monthly, or quarterly. Rather than attempting to "time the market" or waiting to accumulate a large sum of money, a RD enables you to start building wealth immediately.
When you invest through a RD, you buy a certain number of mutual fund units corresponding to your investment amount. The number of units you receive depends on the Net Asset Value (NAV) of the mutual fund scheme on the day of the investment. Over time, as you accumulate units, the power of compounding and rupee cost averaging work together to maximize your returns.
Start Small, Grow Big
Starting a RD of just $500/month can grow into a substantial wealth corpus of $0 in 20 years, assuming a modest 12% return. Compounding turns small discipline into massive fortunes.
Preguntas Frecuentes
A Recurring Deposit (RD) is a method of investing in mutual funds where you invest a fixed amount regularly (monthly, quarterly, or weekly) instead of making a one-time lump-sum payment. This fosters disciplined financial savings and compounding benefits.
RD returns are calculated using compounding. Since investments are done periodically, XIRR (Extended Internal Rate of Return) is used in active portfolios. This calculator applies the standard future value formula: FV = P × [((1 + r)^n - 1) / r] × (1 + r) to estimate the maturity amount.
In most mutual funds, you can start a RD with as low as ₹500 (or $10 to $50 depending on the currency/region) per month. Some funds also support micro-investments starting at ₹100 per month.
It depends on market conditions. In a volatile or bearish market, RD is superior due to Rupee Cost Averaging. In a continuously rising market, Lumpsum might yield higher returns. For long-term retail investors, RD is generally safer as it eliminates the need to time the market.
Yes, you can pause or stop your RD at any time without any penalty. The accumulated investment will remain in the fund and continue to grow, or you can choose to redeem (withdraw) it based on the fund rules.
A Step-up RD (or Top-up RD) allows you to automatically increase your monthly investment amount by a fixed percentage or amount every year. This helps align your investments with your growing income and accelerates wealth building.