The result shows maturity value, interest earned and return over the chosen tenure without assuming future promotional rates.
Finance calculator
Fixed Deposit Calculator Malaysia
Compare the amount deposited with estimated interest earned over a selected Malaysian fixed-deposit tenure.
Calculated privately on your device
No account. Formula and assumptions are shown below.
Calculator inputs
Fixed deposit details
Formula & disclaimer
Simple Maturity Value = Principal Γ (1 + Annual Rate Γ Months Γ· 12); optional compound method uses the selected frequency
View assumptionsFormula reviewCalcs at Hand Editorial TeamVerified 27 August 2026 Β· automated checks included
Saved on this device
Resultβ
Projection
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Formula & details
Calculation
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How to read this result
Three useful checks, kept deliberately short.
RM50,000 is placed for 12 months at 3.5% a year: Convert the annual rate to the selected tenure Β· Apply simple interest at maturity by default Β· Compare interest earned with the original deposit.
PIDM protects eligible deposits, including fixed deposits, up to RM250,000 per depositor per member bank, including principal and interest, subject to its rules.
Formula and assumptions
Simple Maturity Value = Principal Γ (1 + Annual Rate Γ Months Γ· 12); optional compound method uses the selected frequencyBanks may quote board rates, promotional rates or Islamic profit rates with placement conditions. Enter the rate that applies to the specific offer.
Keep in mind: Actual interest, profit payment, premature-withdrawal treatment and PIDM eligibility depend on the bank and product terms.
Official sourcesPIDM deposit insurance system β
Produced byCalcs at Hand Editorial Team
Last formula check27 August 2026
Review methodKnown examples + boundary cases
Editorial and correction policy β