Fixed Income (FD).
Track your deposits, maturity dates, and compounding interest.
The End-User Perspective
The Stability Anchor
Fixed Deposits (FDs) and Bonds are the backbone of many portfolios. Temporal lets you track interest rates, compounding frequency, and Maturity Dates. This ensures you never miss a renewal deadline.
Projected Maturity Value
Temporal automatically calculates the projected value of your deposit at maturity based on the rates you provide. This helps you plan for future big-ticket expenses with confidence.
Use Case: Laddering FDs
"I have 5 different FDs maturing at different times." By using the Maturity Date view, you can 'ladder' your income, ensuring you always have liquidity when you need it while maximizing interest rates.
Compounding Logic
Accumulation Algorithm
Temporal supports Monthly, Quarterly, and Yearly compounding models. We calculate the accumulated interest using the standard compound interest formula, adjusted daily to give you a "Current Value" estimate.
TDS Deductions
The schema includes flags for TDS (Tax Deducted at Source), allowing the system to subtract projected tax liabilities from your net-of-tax maturity value for more realistic planning.