Single deposit is one time lump sum investment. The Investment is made at the start of the period;
grows over the period and matures at the end of the period. Such an investment is made to grow the money in hand.
The single deposit simulator simulates the trend of such an investment.
The effect of interest compounding can be seen in form of the exponential returns curve in the chart. The deposit is represented by the horizontal investment line. The following fine-tuned simulators represent the trend of the single deposit investment for various conditions.
This simulator represents a standard single deposit investment without any tweaks.
Click here to try out the simulator.
Example: Ericka has 5,000.00 USD for her daughter's wedding. She may need the money after 4 years. She is planning to invest the money for the period. Her bank offers her an interest rate of 3.50 % per annum compounded annually on a new CD (Certificate of Deposit) that she opens.
| Amount | Period | Interest Rate | Compounding | | 5,000.00 USD | 4 Year | 3.50 % | Annually |
Click here  to see Ericka's savings after 4 years.
This simulator represents the effect of various interest rates on the single deposit investment.
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Example: Robin received 2,25,000.00 INR as annual bonus from his company. He is planning to invest the entire amount in a zero/low risk investment option. Various banks are offering him fixed deposits at 8.00%, 8.50% and 9.00% respectively with quarterly compounding for 890 days.
| Amount | Period | Interest Rate | Compounding | | 2,25,000.00 INR | 890 Day | 8.00 %
8.50 %
9.00 % | Quarterly |
Click here to see Robin's maturity amount with each of the banks.
This simulator represents the effect of various compounding periods on the single deposit investment.
Click here to try out the simulator.
Example: Grace needs to know the returns obtained by investing 1,500.00 GBP for 5 years in different banks. These banks offer the same interest rate of 4.50 % but with different compounding periods - mostly annually, quarterly, monthly, weekly and daily.
| Amount | Period | Interest Rate | Compounding | | 1,500.00 GBP | 5 Year | 4.50 % | Annually
Quarterly
Monthly
Weekly
Daily |
Click here to see Grace's observation.
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