2026 Fixed Deposit and Large Certificate Calculator
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资产增值趋势预测 (本息合计)
Global Select Benchmarks and Deposit Rates Overview
| Item (Type) | Deposit Period (Term) | Annual Rate of Return (Rate) |
|---|---|---|
| Current | Unlimited | 0.15% |
| Recurring (whole cache) | Three Months | 1.05% |
| Recurring (whole cache) | Six Months | 1.25% |
| Recurring (whole cache) | For a year | 1.35% |
| Recurring (whole cache) | Two years | 1.45% |
| Recurring (whole cache) | 3 Years | 1.95% |
| Recurring (whole cache) | Five years | 2.00% |
Fixed Deposit Calculator Guide
Calculator designed specifically for bank fixed deposits. Choose from three professional calculation methods:
- Simple Interest: Traditional method for fixed deposits. Interest = Principal × Annual Rate × Term. No compounding. Clear and straightforward for short-term deposits or savers seeking stable returns.
- Compound Interest: Supports monthly, quarterly, semi-annual, and annual compounding. Interest automatically rolls into principal each period for additional earnings. Ideal for medium to long-term deposits to maximize returns. Especially beneficial for 2+ year terms.
- Tiered Interest: Applies different rate factors by deposit length (under 3 months, 3 months to 1 year, 1+ years). Flexibly adjust calculations to match different bank policies and optimize larger deposit yields.
Key Features:
- Supports standard 3-month to 5-year terms plus custom 1-3600 day terms
- Real-time principal+interest calculation ensures deposit slip accuracy
- Adjustable tiered interest rate factors adapt to different bank promotion policies
- Precise interest and total calculations for easy comparison across different terms
Advanced Financial Planning Tips:
Fixed deposits and large CDs are your best anchors for medium to long-term idle cash. Want both liquidity and high returns? Try the twelve-CD method or CD ladder: split your funds into multiple staggered fixed deposits. Always calculate the huge long-term difference between simple and compound interest.
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Further Reading
3-Year vs 5-Year Fixed Deposit
If you're already comparing long-term returns, the next step is usually not more calculations—it's figuring out how long the money can stay untouched.
Compare Terms>How to Avoid Early Withdrawal Losses
The premise of high fixed-deposit returns is not being forced to switch back to demand deposits. Understand the common loss scenarios first.
View Practical Guide>Fixed Deposit Decision Center
If you're torn between fixed deposits, large CDs, staircase deposits, and the 12-month rolling method, head to the topic hub to sort it out.
Go to Topic Hub>