If the bank pays no early interest, the estimated value given up is the scheduled interest plus any fee.
Finance calculator
Fixed Deposit Early Withdrawal Calculator
Model a bank's stated premature-withdrawal rate and fee to see the potential interest and maturity value given up.
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No account. Formula and assumptions are shown below.
Calculator inputs
FD early withdrawal details
Formula & disclaimer
Early Proceeds = Principal + Principal Γ Early Rate Γ Elapsed Months Γ· 12 β Fee; compare with simple-interest maturity value
View assumptionsFormula reviewCalcs at Hand Editorial TeamVerified 1 September 2026 Β· automated checks included
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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RM50,000 placed for 12 months at 3.5% is withdrawn in month six with no early interest: Calculate the scheduled maturity value Β· Apply the entered early-withdrawal rate for elapsed months Β· Subtract any stated fee and compare the outcomes.
The scheduled comparison uses simple interest so it matches the common paid-at-maturity setup of the main fixed-deposit calculator.
Formula and assumptions
Early Proceeds = Principal + Principal Γ Early Rate Γ Elapsed Months Γ· 12 β Fee; compare with simple-interest maturity valuePremature-withdrawal treatment varies by bank, product, campaign and withdrawal date; some placements pay no accrued return.
Keep in mind: Bank terms determine accrued return, notice periods, partial withdrawal, fees and principal treatment. Confirm the official redemption quote before acting.
Produced byCalcs at Hand Editorial Team
Last formula check1 September 2026
Review methodKnown examples + boundary cases
Editorial and correction policy β