2026 Compulsory Savings Calculator by Twelve Deposit Certificates Method
What is the 12-deposit method?
The twelve certificates of deposit method is a very regular compulsory saving strategy, especially suitable for wage earners with a fixed monthly income:
- 1
How it works: Set aside a fixed amount of money each month from your salary and deposit it into a one-year certificate of deposit.
- 2
Circular effect: After 12 months, you will have 12 certificates of deposit. Starting from the 13th month, there is a certificate of deposit expiring each month.
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Snowball: Add the principal and interest of the matured deposit certificate and the newly allocated funds of the current month, and deposit them into the new one-year time deposit again, and repeat.
Core advantages: Enjoy the high interest rate of one-year time deposits, while ensuring that a contingency fund can be used every month (excellent liquidity), while using compound interest to achieve a steady doubling of assets.
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Further Reading
12-Month Rolling vs Staircase Deposit
If you're deciding between monthly rolling deposits and a one-time staggered setup, this page shows the differences clearly.
Compare Strategies>How Salaried Workers Execute the 12-Month Method
The calculator only gives you results—this guide breaks down how to save monthly and what to do when deposits mature.
View Practical Guide>How Much to Save Monthly for Your Goal
If you already have a target amount, continue to calculate how long it takes to save for your first pot of gold, down payment, or education fund.
View Savings Goal Planner>