2026 Zero deposit rounding investment plan calculator
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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% |
Recurring Deposit Calculator Guide
Calculator for periodic fixed-amount savings calculations. Three professional calculation methods:
- Simple Interest: Uses fixed rate for each deposit. Each periodic deposit earns simple interest based on its actual holding period. Clear and straightforward for conservative savers with predictable, stable returns.
- Compound Interest: Supports monthly, quarterly, semi-annual, and annual compounding. Previously deposited amounts and earned interest generate additional returns each period. Ideal for medium to long-term savings to fully leverage compounding effect.
- Tiered Interest: Different rate factors by total savings period (1-year, 3-year, 5-year terms). Flexibly adjust to match various bank promotion plans and optimize returns for larger, longer-term savings.
Key Features:
- Supports weekly, bi-weekly, monthly, quarterly and custom deposit frequencies
- Real-time amount-to-words conversion ensures deposit slip accuracy
- Adjustable interest rate factors adapt to different bank incentive plans
- Complete display of per-deposit amount, total deposits, interest, and principal+interest
Expert Savings Advice:
Recurring deposits are a risk-free, forced savings plan. Perfect for salaried workers who set aside funds on payday or families preparing for specific expenses. Recommend monthly (30-day) frequency matching your pay cycle. Use the compound interest model to maximize time value. Many pennies make dollars!
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Further Reading
How Salaried Workers Save Their First Pot of Gold with the 12-Month Method
Regular incremental deposits are great for steady saving, but if you want more liquidity and rolling returns, check out the 12-month rolling method.
View Salaried Workers' Savings Guide>How Much to Save Monthly for Your Goal
If you've set a specific target amount, continue to calculate how much to save monthly and how many years it will take.
View Savings Goal Calculator>What Is Compound Interest and How Does It Differ from Simple Interest?
Regular incremental deposits often go hand-in-hand with compound interest thinking. Understanding both makes choosing a plan easier.
View Compound Interest Glossary>