Finance Calculator
How to use this calculator
Enter the deposit, annual rate and term in months. Select cumulative, quarterly or monthly payout. The senior-citizen toggle applies the app’s illustrative 0.50 percentage-point addition.
How the estimate is calculated
Cumulative deposits compound quarterly using an equivalent monthly factor for the term. Payout modes use simple periodic interest while leaving principal unchanged.
Assumptions and exclusions
Banks can use different day counts, senior premiums and discounted monthly payouts. Tax, penalties and institution-specific rounding are excluded.