The Utility Base

🏦 Deposit Compound Interest Calculator

Time Deposit Interest Calculator

Calculate compound interest on fixed deposits. Compare simple vs compound interest, and monthly vs annual compounding.

💰Deposit Compound Interest Definition

Compound interest adds interest to principal, then earns interest on that total. With same annual rate, more frequent compounding (monthly > quarterly > yearly) yields higher returns.

Interest Earned
+₩0
Effective Annual Rate
0%
Maturity Amount
₩0
* Actual interest excludes applicable taxes.

📝How to Use

1

Enter principal

Input the deposit amount.

2

Enter annual rate

Input the bank's offered annual rate.

3

Set deposit period

Choose how many years to deposit.

4

Select compounding

Choose monthly, quarterly, or yearly compounding.

📊Examples

1-Year Fixed

$10,000, 4%, yearly

→ Maturity $10,400 (interest $400)

3-Year Fixed

$10,000, 4%, monthly

→ Maturity about $11,270

Large Deposit

$50,000, 3.5%, 2 years

→ Maturity about $53,580

❓Frequently Asked Questions

Difference between simple and compound?

Simple interest only on principal. Compound adds interest to principal. Compound is better for longer terms.

Are monthly compound deposits available?

Some savings accounts and CMA offer monthly compounding. Fixed deposits are usually simple interest.

What is effective annual rate?

Actual annual return including compound effect. 4% monthly compound = 4.07% effective.

Deposit insurance?

Varies by country. Check your local deposit insurance limits.

💡Deposit Tips

  • •Same rate, shorter compounding period is better.
  • •Regular savings utilize compound effect better than fixed deposits.
  • •Look for promotional deposit rates.
  • •Consider tax on interest income when calculating.

📚 Guide de calcul local

Logique de formule

Utilise des formules publiques de finance, prêt, ratio et conversion.

Périmètre des sources

Références basées sur standards publics et pratiques courantes par pays.

Hypothèses

Taxes, frais, taux et plafonds varient selon la région et l’organisme.

Result Interpretation

Utilisez ce résultat comme scénario de base. Avant décision, comparez-le avec une offre réelle et la fiscalité locale.

Préréglage local

Devise: EUR

Unités: metric

Modèle fiscal: US payroll estimate

Note réglementaire

Cet outil utilise des préréglages régionaux pour l’estimation. Les conditions réelles et limites légales varient selon l’établissement et la loi locale.

Actions recommandées

  • Comparez au moins 2-3 établissements locaux avant décision.
  • Vérifiez par écrit frais, fiscalité et clause de remboursement anticipé.
  • Testez un scénario de stress avec +1-2% de taux.

Avant toute décision réelle, vérifiez les règles locales à jour.

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