Term Deposit Calculator: calculate maturity amount and total interest from your initial deposit, monthly contributions, deposit term, and annual interest rate.
Use this term deposit calculator to estimate maturity amount, interest earned, and the effect of additional contributions over a chosen deposit period. It is designed for common search intent such as term deposit calculator, fixed deposit calculator, CD maturity calculator, and how much interest will I earn on a deposit.
The calculator lets you combine a starting deposit with optional weekly, monthly, quarterly, or annual contributions. You can set a start date, maturity date, or term length, and use advanced options for compounding frequency, contribution timing, and day count convention when you want a more bank-style result.
In practice, this helps answer questions like: what will my deposit be worth at maturity, how much comes from initial amount versus contributions, how does monthly vs quarterly compounding change the result, and what happens if I deposit at the beginning or end of each period. If you want broader investing or time-value modeling, see also the related savings, investment, TVM, and loan calculators.
Term Deposit Calculator FAQ
How do I calculate deposit maturity amount?
Enter the initial deposit, interest rate, and either the term or the start and end dates. The calculator returns the maturity amount, total interest earned, and, when used, the total contributions added during the deposit period.
Can I use this as a fixed deposit or CD calculator?
Yes. You can use it for a lump-sum term deposit, fixed deposit, or certificate of deposit style estimate. Leave additional contributions at zero if you want a pure single-deposit maturity calculation.
What is the difference between contribution frequency and compounding frequency?
Contribution frequency controls how often you add money to the deposit. Compounding frequency controls how often interest is applied to the balance. They are separate settings, and both can affect the final maturity amount.
Should I choose beginning or end of period contributions?
Choose beginning of period if each contribution is added before that period earns interest. Choose end of period if the contribution is added after the period ends. Beginning-of-period contributions usually produce a slightly higher maturity value because money is invested sooner.
Why do start date, end date, and term all appear?
They are linked for convenience. You can think in terms of a deposit term such as 1 year or 6 months, or you can work directly with actual calendar dates. Changing the term updates the end date, and changing the end date recalculates the term.
What does day count convention mean?
Day count convention determines how the calculator converts the deposit period into a year fraction for interest calculations. Actual/365, Actual/360, and 30/360 are common conventions used in financial products and can produce slightly different results.
