How to use this tool
Enter the deposit, nominal annual rate, term in months and compounding frequency.
Compare maturity value and interest. Actual early-withdrawal, tax and bank posting rules may differ.
Maturity = principal × (1 + nominal rate / frequency)^(frequency × years)
Worked example
$10,511.62 · maturity value
Fixed example using the settings below. Monetary examples use USD; dates and times use their stated reference values. This example stays unchanged when you edit your calculation.
Example inputs
- Deposit amount: 10000
- Nominal annual rate (%): 5
- Term (months): 12
- Compounds per year: Monthly
Method illustration: 10,000 at 5% compounded monthly for 12 months becomes about 10,511.62.
Assumptions and limits
- Assumed rates remain constant. Values are estimates before tax and fees unless entered explicitly. No return or affordability is guaranteed.
- Calculations use full precision; displayed money is rounded to cents.
- Fractional compounding periods are modeled exponentially. Actual FD/CD posting, early withdrawal and tax rules vary.
Method reference: Investor.gov saving and investing tools
Check or report a result
Check the units, selected calculation and assumptions first. Compare the fixed example above with your inputs to identify what changed.
Report a calculation issue with the page address, hypothetical inputs, result displayed and result expected. Do not include passwords, bank details or other private information.