A free online deposit interest calculator: enter the principal, annual interest rate and term to instantly compute the interest and the total amount. Supports demand deposits, fixed-term lump-sum deposits and a simplified savings plan, with simple/compound interest switching plus monthly average interest, total amount and approximate days. Ideal for planning bank savings.
Current defaults to compound, fixed term to simple
Interest at maturity
—CNY
Total (principal + interest)
—CNY
Average monthly interest
—CNY
Approx. days
—days
Current deposits usually settle interest quarterly, with a daily rate of annual rate / 360; fixed-term deposits repay principal and interest at maturity, and early withdrawal typically earns the current rate. Installment savings is estimated from the average monthly balance. Results are estimates; the bank's actual calculation prevails.