Conversation Guide Tool  ·  FD Maturity Calculator
Tool · FD Maturity Calculator

Plan around the maturity date.

Enter the FD placement details and see when it matures, how much interest accrues, and what to compare against on maturity day.

Inputs

Most Malaysian retail FDs use simple interest paid at maturity.

Result

Maturity value
RM 103,200.00
Interest earned
RM 3,200.00
Effective rate
3.20%
Maturity date
—
vs Inflation (1.8%)
+1.40%
Section01Compared to

What else could the same RM earn?

ProductIndicative rateEstimated returnNotes
This FD3.20%RM 3,200PIDM-protected to RM 250K
Range Accrual (max)5.00%RM 5,000Principal protected, KLIBOR-linked
Inverse Floater Y16.90%RM 6,900Principal protected, fixed Y1
Sharkfin (8.5% rebate)~8.50%RM 8,500Principal protected, equity-linked
Bullet EKI coupon13.4%RM 13,400Not principal protected

Indicative figures only. Actual FD rates vary by bank, placement amount and tenor. Verify current rates and structured product terms with the issuing institution before any client recommendation.

Conversation GuideTool · FD Maturity Calculator
Tool · FD Maturity Calculator

FD maturity summary.

Snapshot of the latest calculation on this page.

01.Inputs

  • Principal. RM 100,000
  • Rate. 3.20% p.a.
  • Tenor. 12 months
  • Placement date. —
  • Compounding. Simple interest

02.Result

Maturity value
RM 103,200
Principal + interest
Interest
RM 3,200
Earned
Effective
3.20%
Annualised
Maturity date
—
Plan ahead

03.What else could this earn?

  • Range Accrual. Up to 5.00% p.a. Principal protected. KLIBOR-linked.
  • Inverse Floater Y1. 6.90% fixed. Principal protected. 5-year tenor.
  • Sharkfin. 8.5% rebate / uncapped if stock in sweet spot. Principal protected.
  • Bullet EKI. 11–15% coupon upfront. Principal NOT protected.
Indicative figures only. Actual rates vary by bank, placement amount and tenor. Verify current rates before any client recommendation.
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