Deposit Bermasa atau Bertempoh


Deposit Bermasa atau Bertempoh

What Is a Term Deposit Calculator?

A term deposit calculator (also called a fixed deposit or CD calculator) estimates the maturity amount and total interest earned on a deposit held for a fixed term, answering the common question: how much interest will I earn on a deposit?

You can combine a starting deposit with optional weekly, monthly, quarterly, or annual contributions, set a start date, maturity date, or term length, and use Advanced options for compounding frequency, contribution timing, and day count convention for a more bank-style result.

Term Deposit Example

Deposit $10,000 for 1 year at 4% interest, compounded monthly: the maturity amount is about $10,407, meaning about $407 in interest earned. Add a regular contribution and the calculator grows that on top of the initial deposit.

Choosing Term, Compounding, and Day Count

The deposit term and start/end dates are linked, so you can think in months or years, or work directly with calendar dates; changing one updates the other. Compounding frequency and contribution timing (start or end of period) both affect the final amount, and day count convention, Actual/365, Actual/360, or 30/360, determines how the calculator converts your deposit period into a year fraction, which can shift results slightly between banks. For broader investing or time-value modeling, see also the related savings, investment, TVM, and loan calculators.

Data awal
Tempoh deposit
cth. 5 Tahun
Tarikh mula
Tarikh akhir
Jumlah awal PV
Caruman berkala PMT
Kadar faedah tahunan r
%
Hasil
Jumlah Tambah
5101.39
Jumlah awal5000.00
Jumlah pembayaran faedah101.39
Rajah 1 · Pecahan deposit

Soalan lazim deposit bermasa

Bagaimana mengira jumlah akhir deposit bermasa?

Masukkan jumlah awal, kadar faedah dan tempoh atau tarikh mula dan akhir. Kalkulator akan menunjukkan jumlah akhir, jumlah faedah dan jumlah caruman tambahan.

Bolehkah saya guna tanpa caruman tambahan?

Ya. Jika caruman tambahan ditetapkan kepada sifar, pengiraan berfungsi seperti deposit tunggal biasa.

Apakah beza kekerapan caruman dan kekerapan penggandaan?

Kekerapan caruman menunjukkan berapa kerap anda menambah wang, manakala kekerapan penggandaan menunjukkan berapa kerap faedah ditambah kepada baki.

Apakah maksud kaedah kiraan hari?

Ia menentukan bagaimana tempoh deposit ditukar kepada pecahan tahun untuk pengiraan faedah. Actual/365, Actual/360 dan 30/360 boleh memberi hasil yang sedikit berbeza.