🏦 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.
📝How to Use
Enter principal
Input the deposit amount.
Enter annual rate
Input the bank's offered annual rate.
Set deposit period
Choose how many years to deposit.
Select compounding
Choose monthly, quarterly, or yearly compounding.
📊Examples
1-Year Fixed
$10,000, 4%, yearly
3-Year Fixed
$10,000, 4%, monthly
Large Deposit
$50,000, 3.5%, 2 years
❓Frequently Asked Questions
Simple interest only on principal. Compound adds interest to principal. Compound is better for longer terms.
Some savings accounts and CMA offer monthly compounding. Fixed deposits are usually simple interest.
Actual annual return including compound effect. 4% monthly compound = 4.07% effective.
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.
📚 Panduan perhitungan lokal
Logika rumus
Menggunakan rumus publik untuk keuangan, pinjaman, rasio, dan konversi satuan.
Cakupan sumber
Mengacu pada standar publik dan praktik umum per negara.
Asumsi
Pajak, biaya, suku bunga, dan batas berbeda antar wilayah/lembaga.
Result Interpretation
Gunakan hasil ini sebagai skenario dasar. Sebelum memutuskan, bandingkan dengan penawaran nyata dan aturan pajak lokal.
Preset lokal
Mata uang: IDR
Satuan: metric
Model pajak: US payroll estimate
Catatan regulasi
Alat ini memakai preset regional untuk estimasi. Syarat nyata dan batas hukum dapat berbeda menurut lembaga dan aturan lokal.
Aksi yang disarankan
- Bandingkan minimal 2-3 penyedia lokal sebelum final.
- Cek ulang biaya, pajak, dan klausul pelunasan dipercepat secara tertulis.
- Uji skenario stres dengan bunga +1-2% dan pendapatan turun.
Sebelum keputusan nyata, pastikan aturan terbaru di lembaga setempat.