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.

📚 Guia de cálculo local

Lógica da fórmula

Aplicamos fórmulas públicas de finanças, empréstimos, razão e conversão.

Escopo das fontes

Referências seguem padrões públicos e práticas comuns de cada país.

Premissas

Impostos, taxas e limites variam por região e instituição.

Result Interpretation

Use este resultado como cenário base. Antes de decidir, compare com proposta real e regras fiscais locais.

Padrão local

Moeda: BRL

Unidades: metric

Modelo tributário: US payroll estimate

Aviso regulatório

Esta ferramenta usa presets regionais para estimativa. Termos reais e limites legais variam por instituição e legislação local.

Próximas ações recomendadas

  • Compare pelo menos 2-3 instituições locais antes de fechar.
  • Confirme por escrito taxas, impostos e cláusulas de amortização antecipada.
  • Rode cenário de estresse com +1-2% de juros.

Antes de uma decisão real, confirme as regras atuais da instituição local.

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