If you deposit 100,000 yuan in a 3-year CD at a current major bank annual rate of 1.9%, you'll earn about 5,700 yuan in interest, bringing your total balance to 105,700 yuan at maturity. Our Certificate of Deposit (CD) Calculator helps you quickly determine your returns across different principal amounts, terms, and interest rates, making it especially useful for comparing banks before you deposit.

When to Use This Tool

Compare rates before depositing: If you have extra cash and want to see the difference in interest between banks and terms. For example, Bank A offers 1.9% for a 3-year term, while Bank B offers 2.0%. On a 100,000 deposit, that's a 300 difference.
Savings goal planning: If you plan to open CDs regularly, you can calculate exactly how much principal and interest you'll have at maturity to match future expenses like a house down payment or travel.
Retirement or education savings: Help your parents or yourself align CD maturity dates with retirement needs or tuition deadlines to ensure funds are available when needed.