Fixed Deposit Periodic Withdrawal Calculator

A CNY estimate for scheduled principal withdrawals

This calculator models a China-style time deposit funded with one lump-sum principal, then withdrawn in equal principal portions on a chosen schedule. Enter the starting amount in CNY, the term in months, a withdrawal interval, and an annual rate as a percentage. The available intervals are monthly, every three months, every six months, or annually. The result shows the estimated interest, principal per withdrawal, number of periods, interval rate, and principal plus estimated interest at maturity.

This is the lump-sum deposit with installment principal withdrawal model. It is different from a deposit where the principal stays intact and interest is paid periodically. China's savings rules describe these as separate arrangements; the withdrawal schedule and terms are agreed with the savings institution. See the People's Bank of China provisions on savings deposits.

How the estimate is formed

Here, P is the starting principal, T is the term in months, d is the selected interval in months, and n is the modeled number of withdrawals. The interest expression represents a declining balance after equal principal portions are taken. The calculator treats each selected interval as an equal fraction of a year and applies the same entered annual rate throughout.

Worked example: quarterly withdrawals

Suppose the planned deposit is CNY 50,000 for 36 months, at an entered annual rate of 1.5%, with withdrawals every three months. The period count is 36 ÷ 3 = 12. Principal is split into 12 equal portions, or about CNY 4,166.67 each. The interval rate is 1.5% × 3 ÷ 12 = 0.375%. Estimated interest is CNY 50,000 × 0.00375 × (12 + 1) ÷ 2 = CNY 1,218.75, so principal plus estimated interest is CNY 51,218.75. Displayed installment amounts are rounded to cents; the calculation uses the unrounded division.

For comparison, using the same principal, term, and rate with monthly withdrawals gives 36 periods and an estimated CNY 1,156.25 in interest. This is a comparison within the calculator's formula, not a claim about how a particular bank would settle either schedule.

Set up a comparable scenario

1. Enter the lump sum and term

   Enter the amount in yuan and the full planned duration in months. For example, enter 36 for three years. Use a positive principal and positive term.

2. Choose the withdrawal interval

   Select monthly, quarterly, semiannual, or annual withdrawals. The interval determines both the modeled number of periods and the interval rate.

3. Enter the annual rate

   Type a percentage number: enter 1.5 for 1.5%. The calculator does not look up a bank rate, so use a rate relevant to the specific CNY deposit product and scenario you want to examine.

4. Read the output fields

   Estimated total interest is the formula's interest sum. Principal per withdrawal is the equal principal portion. Number of withdrawals and periodic interest rate show the inputs used by the estimate. Principal plus estimated interest is the combined total; it is not the amount of the final individual installment.

Change one input at a time when comparing scenarios. The result updates from the values entered and can be copied or shared with those values.

Questions about periods and outputs

Does each withdrawal include interest?

No. The per-withdrawal field is the equal principal portion only. Estimated interest is shown separately, and the combined maturity total adds that interest to the original principal.

What if the term is not an exact multiple of the interval?

The modeled count is rounded down, with a minimum of one period. The remaining partial interval is not prorated as an additional period. Avoid treating that result as a bank settlement for a term with leftover months.

Can I use this for periodic interest payouts while keeping principal intact?

No. That is a different cash-flow arrangement: interest is paid in installments while principal is returned at maturity. This estimate divides principal into equal withdrawals, so it will not represent that product.

Check the contract before relying on a payout figure

This is a mathematical estimate for a CNY scenario, not a live quote or a bank's settlement. It assumes equal-length intervals, one unchanged annual rate, equal principal portions, and a full sequence of modeled periods. Actual deposit terms, interest calculation, dates, rounding, eligibility, and available withdrawal schedules depend on the bank and the agreement. An interval longer than the entered term still produces a minimum one modeled period, so it should not be used to estimate a prorated short-term settlement.

The referenced Chinese savings provisions describe the product category and possible agreed withdrawal intervals; they do not establish this calculator's simplified formula as a universal settlement rule. Confirm the product name, current rate, and calculation method with the institution offering the deposit. This tool does not compare US-dollar or other-currency deposits and does not provide personalized investment advice.