Fixed Deposit (STDR) Calculator
Calculate the maturity value of a compounding STDR fixed deposit.
Enter your values to see the result.
Results are estimates for planning only. Actual figures depend on your lender or bank, fees, rounding and the exact dates used, so confirm the numbers before you sign anything.
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- Fixed Deposit (TDR) Calculator — Compare with a deposit that pays interest out.
- Interest Calculator — Try other compounding options.
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How to use the Fixed Deposit (STDR) Calculator
A Special Term Deposit Receipt (STDR), also called a cumulative fixed deposit, reinvests your interest so it compounds until maturity. This calculator shows the final maturity amount, total interest, the effective annual yield and a growth schedule for any deposit, rate, term and compounding frequency, with an optional tax deduction.
- 1 Enter the deposit amount, annual interest rate and term.
- 2 Choose how often interest compounds and, optionally, the tax rate on profit.
- 3 Pick the start date to see the maturity date and how your balance grows.
Example and practical tips
500,000 at 10% for 3 years with quarterly compounding grows to about 672,444, earning 172,444 in interest. That is an effective yield of about 10.38% a year.
Frequently asked questions
Why does an STDR earn more than a TDR?
Because interest is added to the deposit, it earns interest itself in later periods. Over longer terms this compounding makes a noticeable difference.
Does compounding frequency matter?
More frequent compounding gives slightly more. At 10%, quarterly compounding yields about 10.38% a year and monthly about 10.47%.
Can I withdraw an STDR early?
Most banks allow early withdrawal but pay a lower rate or charge a penalty. Check your bank's terms.