Savings & Deposit Calculator

How a lump sum or monthly deposit, such as a DPS, grows with compound interest, year by year.

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Currency

Saved on this device

Your savings plan

Starting amount (a lump sum, like an FDR)

৳

৳50,000.00 · 50 thousand

Monthly deposit (like a DPS)

৳

৳5,000.00 · 5 thousand

Interest rate

% a year

How long

years

Interest is added (compounded)

Check your bank’s terms. Many banks add interest monthly or quarterly.

Monthly deposit is paid at the

At maturity

Maturity value after 10 years

৳10,31,810.39

About 10.32 lakh

Total you deposit: ৳6,50,000.00
Interest earned: ৳3,81,810.39; 58.7% on top of your deposits

Deposits and interest, year by year

After 10 years: deposits ৳6,50,000.00, interest ৳3,81,810.39, total ৳10,31,810.39

Years

Your deposits
Interest earned

Year by year

Deposits, interest and balance at the end of each year
Year	Deposited this year	Interest this year	Total deposited	Total interest	Balance at year end
1	৳1,10,000.00	৳6,814.60	৳1,10,000.00	৳6,814.60	৳1,16,814.60
2	৳60,000.00	৳12,360.18	৳1,70,000.00	৳19,174.79	৳1,89,174.79
3	৳60,000.00	৳18,366.04	৳2,30,000.00	৳37,540.83	৳2,67,540.83
4	৳60,000.00	৳24,870.38	৳2,90,000.00	৳62,411.21	৳3,52,411.21
5	৳60,000.00	৳31,914.58	৳3,50,000.00	৳94,325.80	৳4,44,325.80
6	৳60,000.00	৳39,543.45	৳4,10,000.00	৳1,33,869.24	৳5,43,869.24
7	৳60,000.00	৳47,805.51	৳4,70,000.00	৳1,81,674.75	৳6,51,674.75
8	৳60,000.00	৳56,753.31	৳5,30,000.00	৳2,38,428.06	৳7,68,428.06
9	৳60,000.00	৳66,443.78	৳5,90,000.00	৳3,04,871.84	৳8,94,871.84
10	৳60,000.00	৳76,938.55	৳6,50,000.00	৳3,81,810.39	৳10,31,810.39

How it’s calculated

Starting amount

P × (1 + r ÷ m)^(m × years)

r is the yearly rate ÷ 100 and m is how many times a year interest is added (12 for monthly).

Monthly deposits

D × ((1 + i)ⁿ − 1) ÷ i

i is the monthly rate that matches the bank’s compounding, (1 + r ÷ m)^(m ÷ 12) − 1, and n the number of deposits. Deposits at the start of the month earn one more month: × (1 + i).

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