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Calculate the interest and maturity value of an installment savings deposit online. Enter your monthly deposit, term, and annual interest rate to see your total interest and final balance instantly.
Select the calculation direction, deposit the agreed amount month by month, and withdraw the principal and interest once at maturity.
Fixed amount deposited on the same date each month
Fill in the zero-deposit rounded annual interest rate of the bank corresponding to the deposit period, for example, 1.30 means 1.30%
Please enter the amount and annual interest rate, the result will be calculated automatically
Overview
Understand what the tool solves, how it works, and the boundaries of its data.
This calculator estimates a savings plan in Chinese yuan (CNY/RMB) using equal monthly deposits, a selected term of 12, 36, or 60 months, and an annual rate that you enter. In monthly-deposit mode, enter the contribution; in target mode, enter the desired maturity total and the calculator estimates the monthly contribution required. Results include principal, estimated interest, maturity amount, and a year-by-year schedule.
The model applies the entered annual rate divided by 12 to a simplified accumulation of monthly contributions. If n is the number of monthly deposits, the sum of their month counts is n(n + 1) / 2. Estimated interest is monthly deposit × that sum × annual rate / 12. This is a planning model with a fixed rate and regular deposits; it is not a bank quote or a statement of the settlement rules for any particular Chinese deposit product.
Estimated interest = monthly deposit × n(n + 1) / 2 × annual rate / 12
Maturity estimate = monthly deposit × n + estimated interest
Target mode divides the requested maturity total by the corresponding maturity factor to solve for the monthly deposit.
Guide
Follow the workflow and verify inputs and outputs with practical examples.
Choose the monthly-deposit mode to estimate maturity value, or target mode to estimate the monthly amount needed.
Enter a positive amount in RMB: the recurring monthly contribution or the target maturity total.
Select a 1-year, 3-year, or 5-year term (12, 36, or 60 monthly periods).
Enter an annual rate as a percentage. For example, 1.30 means 1.30%, not 130%. The calculator accepts rates from 0 through 100.
Review the estimated principal, interest, total, and schedule. The schedule summarizes each year or final partial year.
Use cases
See how the tool fits into real work and everyday tasks.
Enter a contribution such as ¥1,000, choose a term, and try different assumed annual rates. Use the estimate to compare scenarios, then ask the bank for the actual product terms and applicable rate.
Switch to target mode, enter a desired maturity total in RMB, and compare the required monthly contribution across the available terms. The answer follows this calculator’s fixed-rate model.
Q&A
Find concise answers to common questions and confusing cases.
No. It is an estimate based on the rate you supply and the tool’s simplified monthly schedule. A bank’s product terms, deposit timing, missed contributions, early withdrawal, and interest settlement can change the actual amount.
It is the sum 1 + 2 + … + n, equal to n(n + 1)/2. The model uses it to represent how many monthly periods each regular contribution is counted for in the simplified estimate.
The calculator holds the entered rate constant and assumes regular monthly deposits. A financial institution applies the terms of its own product, including the applicable rate and its interest calculation and settlement rules.
Notes
Review scope, result limitations, and important precautions before use.
This calculator is an arithmetic estimate for a China-style recurring monthly savings scenario. It does not retrieve bank rates, compare current offers, account for taxes or fees, or confirm eligibility. Check the bank’s current product disclosure and contract before depositing money. Amounts are displayed as yuan; no currency conversion is performed.
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