Tool 2.1

FD Ladder Planner

Split your FD corpus across staggered maturities to balance liquidity access and returns.

Planner Inputs

Total amount to put in FDs

Money you want split across the ladder (not cash you keep in savings for instant use).

Monthly essential expenses

Must-pay monthly burn (rent, food, utilities, core EMIs) — used to size each ladder rung.

How many months should this FD pool cover?

Pick how long you want staggered FD maturities to replace drawing from salary or breaking FDs early. Required corpus = monthly essentials × months.

Sample defaults only — not live bank rates. Enter what your bank offers today for each tenure.

3M FD

6M FD

9M FD

12M FD

Your FD ladder will appear here

Fill in your total investment, monthly expenses, and target runway, then plan to see your recommended split.

Estimates for educational use only — not financial advice. Verify before acting.