Fixed Deposit Calculator

Lump-sum and monthly deposit interest with listed rates

Quick Answer

Fixed Deposit Calculator: Lump-sum and monthly deposit interest with listed rates. Lump sum: interest = principal × annual rate × years.

Lump-sum time deposit (simple interest): Interest = P × annual rate × years. Early withdrawal is re-priced at the demand rate.

Principal (CNY)

Annual rate (%)

Term (auto-fills reference rate)

Maturity amount

100,950.00 CNY

Interest at maturity950.00

Interest per 10k/yr95

Avg per day2.60

Early withdrawal interest50.00

Step-by-step

1Term: 12 months = 1.0000 years; annual rate 0.95%
2Interest = P × r × t = 100,000 × 0.009500 × 1.0000 = 950.00
3Maturity total = 100,000 + 950.00 = 100,950.00
4If withdrawn early at demand rate 0.05%: only 50.00 — a loss of 900.00

Same principal across terms (at reference rates)

Term	Rate	Interest	Total
3 mo	0.65%	162.50	100,162.50
6 mo	0.85%	425.00	100,425.00
1 yr	0.95%	950.00	100,950.00
2 yr	1.05%	2,100.00	102,100.00
3 yr	1.25%	3,750.00	103,750.00
5 yr	1.3%	6,500.00	106,500.00

💡 Reference rates are major state-owned banks' posted rates (2025); joint-stock and smaller banks often price higher — check the actual posted rate. Deposit interest is currently exempt from personal income tax in China. Deposits within 500k CNY per bank are covered by deposit insurance.

Was this tool helpful?

How to Use

Enter amounts and terms: fill principal, rate and period in the Fixed Deposit Calculator (defaults work for a quick try).
Instant results: key figures and cost breakdown update live as you type.
Compare scenarios: tweak any parameter to compare costs and returns across plans.
Copy key numbers: one-click copy for records or sharing with your advisor.

Key Points

Fixed Deposit Calculator is a free online finance tool — open and use, no sign-up.
All calculations run locally in your browser; your data never leaves the device.
Key capability: Lump-sum and monthly deposit interest with listed rates.
Results come with formulas and reference tables so you can verify every number.

Formula & How It Works

Fixed deposit interest (simple)

Lump sum: interest = principal × annual rate × years

Monthly savings: interest = monthly × monthly rate × n(n+1)/2

Listed rates (reference): 3m 1.05%, 6m 1.25%, 1y 1.35%, 2y 1.45%, 3y 1.9%, 5y 1.95%

Early withdrawal earns only the demand rate (~0.2%)

Example: ¥100k at 1.9% for 3 years → interest = 100000×1.9%×3 = ¥5,700.

FAQ

How do I use the Fixed Deposit Calculator?

Open the page and fill in the input fields — results update automatically. Lump-sum and monthly deposit interest with listed rates.

Are the results accurate?

Yes. Standard financial formulas and published rate data are used. For official figures, consult your financial institution.

Is it free? Do I need to sign up?

Completely free. No registration, login or download required.

Can I use the results for financial decisions?

Results are for reference. Consult a licensed financial advisor before major decisions.

Does it work on mobile?

Yes. Fully responsive on phones, tablets and desktops.

Related Guides

Source & Updates

Based on published rate tables and standard financial formulas. Last updated: 2025-07

Authoritative sources:

PBOC benchmark deposit & lending rates

Last updated: 2026-08-06

Formulas and content on this page are reviewed by the YiJianSuan team. For reference only — official sources prevail.

Cite this page: YiJianSuan. Fixed Deposit Calculator[EB/OL]. https://www.yijiansuan.com/en/c/finance/deposit

Results provided by this tool are for reference only and do not constitute professional advice.