Fixed Deposit Rollover Value Calculator

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. 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. Adjusting one input at a time toward extreme values shows which ones move the result most.

How the math works

Annual compounding within each term, reinvested at maturity. Assumes same rate on each rollover. Simple interest comparison excludes reinvestment benefit.

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.

Worked example

A saver opens a fixed deposit with an opening balance of 25,000 at 3.8% per term over 3-year terms. After the first term completes, the balance grows to 27,842. At maturity, this full amount (including accrued interest) rolls into a new 3-year term at the same rate, growing to 30,870. After three complete rollovers spanning 9 years, the balance reaches 37,039. This illustration shows how compound reinvestment accumulates across multiple terms when rates remain constant.

When this calculator matters

• Comparing a rolling fixed deposit ladder against a single long-term fixed deposit locked in at the outset
• Modelling multi-year savings targets where you plan to let interest reinvest automatically
• Sensitivity testing: seeing how the final balance changes if you extend or shorten the term length
• Understanding exposure to rate risk across a rollover cycle
• Viewing the historical performance of a rolling deposit strategy after it has completed

What the result shows and does not show

What it shows: The accumulated balance at the end of all rollovers, assuming each term matures and automatically reinvests at the stated rate, with annual compounding applied within each term.

What it does not show: Tax treatment of interest earned, inflation impact on real purchasing power, early-withdrawal penalties or access restrictions, changes to interest rates between rollovers, the effect of deposits or withdrawals made during the cycle, or fees charged by the deposit provider.

Educational use only

This calculator models a scenario using the inputs you provide. The output is an illustration for educational purposes and does not account for individual circumstances, tax position, or provider-specific terms and conditions. Always verify current rates and terms with your deposit provider before committing funds.