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Time Deposit Decision Center

Time deposits are not just "putting money in until maturity", but more importantly, figuring out how long the money should be saved, whether it should be stratified, whether it should pursue high interest rates, and whether it will be withdrawn in advance due to lack of liquidity in the future.

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Special calculation tools

Fixed Deposit Calculator

Calculate interest with simple and compound interest options

Fractional Deposit Calculator

Monthly deposits for forced savings

Whole Storage Zero Retrieval

Lump sum deposit with periodic withdrawals

Classic Savings Strategy

# 12-Month Rolling Deposit

Monthly deposits for monthly returns and liquidity

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# Staircase Deposit Method

Split funds across 1-5 year terms for maximum rates and flexibility

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In-depth financial science popularization

Large CD vs Regular Fixed Deposit

Is the 200k minimum worth it? Compare rates, liquidity, and transfer options

Safe Allocation for 500k+ Deposits

How to split funds across banks and terms within insurance limits

Practical Guides

View all fixed deposit practical guides

Splitting Funds at 500k Boundary

How to allocate by bank, purpose, and term for safety

Locking Rates in Downcycle

Term layering strategy during rate decline periods

Choosing Between CD and Regular

Compare threshold, liquidity, and execution rates

Avoiding Early Withdrawal Loss

Understanding demand rate recalculation costs

Retirement Interest Cashflow

Structure deposits for retirement income and safety

Small Bank Rate Selection

Evaluating higher rates from smaller institutions

3-Year vs 5-Year Choice

Choosing term based on actual fund availability

Emergency Fund Structure

Layering immediate, short-term, and yield tiers

Frequently Asked Questions

Common questions about fixed deposits, large CDs, and deposit strategies

What is the difference between fixed deposits and large CDs?
Both are fixed-term deposits, but large CDs often offer rates about 20-40 basis points higher. Large CDs usually require a 200k minimum and may support transfers, while regular fixed deposits have lower thresholds and more term options but can be more painful to break early.
Who should use the staircase deposit method?
It suits savers with meaningful principal (often 200k+) who still need flexibility. Split funds into multiple buckets with different maturities, then roll each matured bucket into a longer term to balance liquidity and return.
Who is the 12-month rolling method best for?
It is ideal for people with stable monthly income who want both discipline and monthly liquidity. You deposit the same amount each month into 12-month terms, so after year one, one deposit matures every month.
How should I choose between 3-year and 5-year terms?
Focus on two things: when you may truly need the money, and how much extra yield the 5-year term provides. A 3-year term is usually the better balance unless the 5-year premium is clearly higher and your timeline is firm.
How much can early withdrawal cost?
Early withdrawal is often recalculated at demand-deposit rates, so the loss can be substantial. The longer the original term and the wider the rate gap, the higher your opportunity cost.