I am happy gnucash user for last 6 years for small business. use it effectively for invoicing,tds etc. I also manage my Fixed Deposit accounts, bonds etc. It would be good to have extra columns to accomodate FD date,Maturity Date, interest rate, Interest periodicity. Now i put some of these in account code,desc,memo and run a custome report.. export to excel and use that for income tax income projection.