About This Tool
What is Savings Interest Calculator?
A tool for calculating interest on fixed deposits and installment savings. Choose between simple and compound interest (monthly/quarterly/yearly compounding) to accurately preview maturity amounts.
How to Use
- Select the type (fixed deposit/installment savings).
- Enter the principal or monthly deposit amount.
- Enter the annual rate and period (months).
- Select interest type (simple/compound) and calculate.
Key Features
- Fixed deposit and installment savings support
- Simple / compound interest selection
- Monthly, quarterly, yearly compounding periods
- Total deposited, interest, and maturity amount display
Tips
- Compound interest yields more than simple interest at the same rate.
- Installment savings earn less interest than deposits since contributions are gradual.
- These are pre-tax figures; actual received amounts should subtract applicable taxes.
Savings Interest Calculator
Calculate interest on deposits and installment savings
Frequently Asked Questions
定期存款和定额储蓄有什么区别？▼
定期存款（一次性）将全部金额一次存入，在设定期限内获得利息。定额储蓄是定期每月存款逐步积累。定期存款总利息更多，因为全额从第一天就开始产生利息。
储蓄中单利和复利有什么区别？▼
单利在整个期限内只对初始存款计算。复利对累计金额（存款+已获利息）计算。月复利下，每月获得的利息在下月开始产生自身的利息，随时间推移带来更高回报。
为什么实际收到的利息少于计算金额？▼
计算器显示税前（总额）利息。大多数国家的利息收入需要缴税。在韩国，利息收入税率为15.4%。此外，某些金融产品可能有提前取款罚款或手续费。比较产品时请始终检查税后收益。