Each rung starts with RM15,000 and matures at a different interval.
Finance calculator
Fixed Deposit Ladder Calculator Malaysia
Choose the total deposit, number of equal ladder rungs, longest term and annual rate to plan staggered access to cash.
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No account. Formula and assumptions are shown below.
Calculator inputs
Fixed deposit ladder details
Formula & disclaimer
Each Rung = Total Deposit Γ· Rungs; First-cycle Interest = Principal Γ Annual Rate Γ Rung Months Γ· 12
View assumptionsFormula reviewCalcs at Hand Editorial TeamVerified 1 September 2026 Β· automated checks included
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Resultβ
Projection
Move across the chart, drag the slider, or use the arrow keys.
Formula & details
Calculation
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How to read this result
Three useful checks, kept deliberately short.
RM60,000 split across four rungs ending at 3, 6, 9 and 12 months: Split the deposit equally Β· Apply simple interest to each first term Β· List the staggered maturities.
Actual banks may quote different rates, minimum deposits and renewal instructions for each tenure.
Formula and assumptions
Each Rung = Total Deposit Γ· Rungs; First-cycle Interest = Principal Γ Annual Rate Γ Rung Months Γ· 12The model applies one entered annual rate to all rungs so the structure is easy to compare.
Keep in mind: Rates, eligibility, PIDM coverage and renewal terms differ by bank and product. Confirm the current deposit terms before placement.
Produced byCalcs at Hand Editorial Team
Last formula check1 September 2026
Review methodKnown examples + boundary cases
Editorial and correction policy β