Fixed Deposit Rollover Value Calculator
Value after multiple rolling fixed deposit terms.
Calculate value of rolling over fixed deposits at assumed rates across multiple terms. Enter starting amount and rate per term for an instant result.
What this tool does
Fixed deposits (CDs) can be rolled over at maturity. Enter starting amount, rate per term, term length in years, and number of rollovers. The tool shows final value assuming the rate holds on each rollover.
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Formula Used
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Disclaimer
Results are estimates for educational purposes only. They do not constitute financial advice. Consult a qualified professional before making financial decisions.
50,000 in a 2-year FD at 4.5% compounds to 54,602 after term 1. Rolling into another 2-year at same rate compounds to 59,628. After 5 rollovers (10 years), balance is 77,677. Rolling strategy works if rates hold; if they fall, each rollover locks a lower rate.
Rate risk
FDs are safe but rates change. A 5-year cycle of 2-year FDs rolled over is exposed to falling rates on each maturity. Compare to a 10-year lump-sum FD at time of investment for lock-in benefit.
Run it with sensible defaults
Using starting amount of 50,000, rate per term of 4.5%, term length of 2, number of rollovers of 5, the calculation works out to 77,648.47. Nudge the inputs toward your own situation and the output recalculates instantly. The defaults are meant as a starting point, not a recommendation.
The levers in this calculation
The inputs — Starting Amount, Rate per Term, Term Length (Years), and Number of Rollovers — do not pull with equal force. Not every input has equal weight. Flip one at a time toward extreme values to feel which ones move the needle most for your situation.
How the math works
Annual compounding within each term, reinvested at maturity. Assumes same rate on each rollover. Simple interest comparison excludes reinvestment benefit. The working is transparent — you can verify every step yourself in the formula section below. No black box, no opaque "proprietary model".
Turning the result into a plan
A projection is just a starting point. The real work is setting the monthly amount aside automatically so the saving happens before you can spend it. Most people who hit savings goals set up a standing order on payday; most who miss them rely on willpower at month-end.
What this doesn't capture
The calculation assumes a steady savings rate and a stable interest rate. Real saving journeys include emergencies, windfalls, and rate changes — especially in easy-access products. The figure is a direction of travel, not a guarantee.
Value after rollovers is shown above.
Inputs
This example uses typical values for illustration. Adjust the inputs above to match a specific situation and see how the result changes.
Sources & Methodology
Methodology
Annual compounding within each term, reinvested at maturity. Assumes same rate on each rollover. Simple interest comparison excludes reinvestment benefit.
Frequently Asked Questions
Is same-rate assumption realistic?
Compared to CD ladder?
Tax on interest?
What's typical rate?
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