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Fixed Deposit Calculator

Fixed Deposit Calculator

Compare deposit growth, interest payout, tax, inflation, top-ups, and renewal cycles in one richer savings planner.

CompoundingIncome payoutRenewal cycles
Deposit Info
Initial deposit (USD)
$12,000.00
Annual rate (%)5.65%
ScenarioCapital growth
Interest planCompound monthly
Renewal cycles2x
Projection horizon3 yr
Cash paid out$0.00
Scenario
Switch between reserve, income, growth, and ladder styles, then fine-tune the numbers.

Scenario

Switch between reserve, income, growth, and ladder styles, then fine-tune the numbers.

Deposit setup

Initial deposit (USD) + Annual rate (%)

Tax and inflation

Withholding tax (%) + Inflation assumption (%)

Renewal planning

Renewal cycles + Rate change per renewal (%)

Deposit outlook
Deposit outlook
These projections combine principal growth, payout income, tax drag, and renewal effects so you can compare strategies clearly.
Total value$23,310.04Principal plus top-ups: $20,500.00
Net interest$2,810.04Tax paid: $179.36
Inflation-adjusted value$21,331.99Effective annual yield: 4.37%
Ending principal$23,310.04
Cash paid out$0.00
Gross interest$2,989.40
Net interest$2,810.04
Tax paid$179.36
Effective annual yield4.37%
Principal plus top-ups$20,500.00
Projection horizon3 yr

Strategy compare

See how the same deposit behaves when you prioritize cash income, compounding, or a longer term.

Income focus
Total value: $13,928.88Cash paid out: $1,928.88Effective annual yield: 5.09%
Growth focus
Total value: $23,310.04Cash paid out: $0.00Effective annual yield: 4.37%
Longer term
Total value: $27,688.74Cash paid out: $0.00Effective annual yield: 4.19%

Timeline preview

This snapshot shows when interest is paid out, when it is capitalized, and how top-ups change the ending balance.

MonthGross interestCash paid outMonthly top-up (USD)Ending principal
1$56.50$0.00$250.00$12,303.11
2$57.93$0.00$250.00$12,607.56
3$59.36$0.00$250.00$12,913.36
4$60.80$0.00$250.00$13,220.51
5$62.25$0.00$250.00$13,529.02
6$63.70$0.00$250.00$13,838.90
...
33$106.14$0.00$250.00$22,501.24
34$107.82$0.00$250.00$22,852.59
35$109.50$0.00$250.00$23,205.52
36$111.19$0.00$0.00$23,310.04

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Help & answers

Frequently Asked Questions

Important disclaimer: Alexonic Tools is completely free to use. There is no charge, and we do not save tool inputs or generated results. We value customer privacy and keep building and fixing each day. Always verify important financial, payroll, legal, tax, business, or production-code results before relying on them. If you see an issue, need a tool, or require an update, send feedback to the developer.