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Call Deposit Calculator
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Calculate notice deposit interest and total amount effortlessly, supporting 1-day and 7-day notice terms.
1-day notice requires 1 day advance notice for withdrawal; 7-day notice requires 7 days. 7-day notice typically offers a higher interest rate.
The actual number of days your principal will be deposited. If fewer than the minimum notice days, interest will be calculated at the demand deposit rate.
The bank's advertised annual interest rate for call deposits. E.g., enter 1.15 for 1.15% for a 7-day notice.
This rate applies if the deposit period is less than the minimum notice days. E.g., enter 0.1 for 0.1%.
Please enter the principal, deposit days, notice type, and annual interest rate to estimate your call deposit interest.
Overview
Understand what the tool solves, how it works, and the boundaries of its data.
This calculator estimates interest and principal-plus-interest for China’s one-day or seven-day notice-deposit product. Enter a principal amount in yuan, the notice type, deposit days, the annual notice rate, and a demand-deposit rate. Rates are user supplied; the page does not fetch current offers or determine account eligibility.
The calculation uses a 360-day year basis. It compares the entered days with the selected notice type’s minimum: at least 1 day for one-day notice or 7 days for seven-day notice. At or above that threshold it uses your notice rate; below it uses your demand rate. The displayed result is rounded to two decimal places.
Example: ¥100,000 at 1.15% for 30 days gives ¥95.83 interest and ¥100,095.83 total under this calculator’s formula. This is arithmetic for a China-specific deposit type, not a quote from a bank.
Guide
Follow the workflow and verify inputs and outputs with practical examples.
Enter the deposit amount in yuan and a positive number of days. The example values beside fields are input hints, not bank rates.
Select one-day or seven-day notice. The selection determines which minimum-day threshold the estimate checks.
Type a percent value: enter 1.15 for 1.15%, not 0.0115. Enter the applicable demand rate as well; its initial value is 0.1%, so replace it if that does not match your case.
Read estimated interest and total principal plus interest. Change one input at a time to compare assumptions.
With ¥100,000, 30 days, 1.15% notice rate and a 0.1% demand rate, the 7-day choice meets its threshold and produces ¥95.83 interest using the displayed formula.
Use cases
See how the tool fits into real work and everyday tasks.
A finance team with a known cash balance and expected use date can model alternative bank-quoted rates before deciding how much liquidity to keep available.
A depositor can estimate a stated principal over a planned number of days, then compare the result with the actual terms offered by their bank.
Keep principal and days fixed while changing the notice or demand rate to see how much the assumed rate affects the estimate.
Q&A
Find concise answers to common questions and confusing cases.
No. Enter the rates quoted by your bank. The result does not include a rate lookup.
The entered days are below the selected notice type’s threshold: 1 day for one-day notice or 7 days for seven-day notice. The tool then uses the demand rate you entered.
No. It is a formula-based estimate. A bank’s contract and settlement method determine the actual credited amount.
Notes
Review scope, result limitations, and important precautions before use.
The 360-day basis is the calculator’s arithmetic convention; it is not presented as a universal settlement rule for every institution or product. Check the bank’s quoted rate, qualifying balance, notice procedure, eligible account holder, day-count basis, rounding, and early or missed-notice treatment.
This page does not assess whether a deposit suits your financial circumstances, and it does not calculate tax, fees, compounding, or rollover. The currency label reflects the China product context; do not treat the output as a US-dollar estimate.
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