How does the FD/CD calculator compute maturity value?

It uses the compound interest formula: A = P(1 + r/n)^(nt), where P is principal, r is annual rate, n is compounding frequency, and t is years. The result is the total amount at maturity.

What does the 'compound' field mean?

It indicates how often interest is added to the principal, such as annually, semi-annually, quarterly, or monthly. More frequent compounding yields a slightly higher maturity value.

Is the result the interest earned or the total amount?

The calculator returns the maturity value, which includes both the original principal and the compounded interest earned over the term.

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即时、私密且免费

定存/存单 (FD/CD) 计算器.

2026年8月4日

复利到期金额

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输入数值

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02 / 答案

存款金额

利率

时间段

复利频率

到期价值

US$70,738.91

已赚利息

US$20,738.91

Cite this calculator

Canonical URL: https://mathify.one/zh/investment/fd

Updated 2026年8月4日

Cite as: Mathify. (2026). 定存/存单 (FD/CD) 计算器. https://mathify.one/zh/investment/fd

Use Cases

Compare compounding frequencies

See how different compounding intervals (e.g., monthly vs. annually) affect the final maturity value for the same principal, rate, and term.

Example: A $10,000 deposit at 5% for 5 years yields more with monthly compounding than with annual.

Plan savings goals

Estimate the future value of a fixed deposit or CD to help set realistic savings targets and evaluate investment options.

Example: Calculate how much a $5,000 CD will grow to in 3 years at 4% compounded quarterly.

Frequently Asked Questions

How does the FD/CD calculator compute maturity value?: It uses the compound interest formula: A = P(1 + r/n)^(nt), where P is principal, r is annual rate, n is compounding frequency, and t is years. The result is the total amount at maturity.
What does the 'compound' field mean?: It indicates how often interest is added to the principal, such as annually, semi-annually, quarterly, or monthly. More frequent compounding yields a slightly higher maturity value.
Is the result the interest earned or the total amount?: The calculator returns the maturity value, which includes both the original principal and the compounded interest earned over the term.

Tips & Common Mistakes

Tips

Enter the annual interest rate as a percentage (e.g., 5 for 5%).
Choose the compounding frequency that matches your bank's policy for accurate results.
Use the calculator to compare different terms and rates to maximize your returns.
Remember that the result is an estimate; actual maturity may vary due to fees or rate changes.

Common Mistakes to Avoid

Using a monthly rate instead of the annual rate in the 'rate' field.
Forgetting to adjust the compounding frequency to match the actual deposit terms.
Confusing the maturity value with the interest earned—the calculator gives the total amount.

Last updated: August 13, 2026