🏦 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.
📚 各地区计算规则说明
计算逻辑
采用公开的金融、贷款、比率与单位换算标准公式。
参考范围
参考公开标准与各地区常见实务规则。
前提条件
税费、费率、上限会因地区和机构而不同。
结果解读
结果可作为基准情景。正式决策前请与当地机构报价和税务规则对比。
地区默认值
货币: CNY
单位: metric
税务模型: US payroll estimate
法规提示
本工具基于地区预设进行估算。实际合同条款与法定上限可能因机构和当地法规而不同。
建议操作
- 正式申请前请至少比较 2~3 家本地机构方案。
- 再次核对费用、税务处理和提前还款条款。
- 用利率 +1~2% 与收入下降场景再测一次。
做真实决策前，请先确认当地机构的最新条款。