How is the interest calculated on a lump sum deposit?

The formula for calculating the interest on fixed savings is: interest, monthly deposit, accumulated monthly accumulation, and monthly interest rate.

The cumulative monthly accumulation (deposit times 1) 2 deposit times.

The cumulative monthly accumulation of one year is (12 1) 2 12 78, then the interest in the example is: 1000 (12) 78 yuan, the sum of principal and interest due = 12000+ yuan.

Hello. Let's take a look at the method of calculating interest on the whole deposit, which is very different. Because its calculations are employed"Monthly accumulation method", you must remember that the current is pressed"Daily product method", the fractional deposit is a little simpler, it only needs to calculate the accumulation on a monthly basis.

The formula for calculating interest on a lump sum deposit is: interest = monthly deposit amount accumulated monthly accumulation monthly interest rate.

Accumulated monthly accumulation = (number of deposits + 1) 2 number of deposits. According to this calculation, the cumulative monthly accumulation of a one-year period is (12+1) 2 12=78, and in the same way, the cumulative monthly accumulation of a three-year and five-year period is 666 and 1830 respectively. In fact, as long as you remember these constants, you can easily calculate the zero integer interest.

If you open a lump sum account on March 1, 2004, and agree to deposit 100 yuan per month for a fixed period of one year, the interest rate of the deposit on the account opening date is monthly interest rate = annual interest rate 12), how much interest should you get when you deposit it monthly until maturity?

Interest payable = $100 78.

Deposit and lump sum interest rate table.

Lump sum annual interest rate.

One year and three years. Five years thanks.

Fractional deposit and withdrawal: fixed monthly deposit, generally 5 yuan deposit, deposit period is divided into one year, three years, five years, the deposit amount is determined by the depositor, deposited once a month, and the principal and interest are withdrawn at maturity, and the interest calculation method is consistent with the interest calculation method of the lump sum fixed savings deposit. If there is any omission in the middle of the deposit, it should be made up in the next month, and if it is not replenished, the interest will be calculated according to the actual deposit amount and the actual deposit period when it is withdrawn at maturity, and the current interest rate announced by the People's Bank of China on the date of withdrawal; ^_

Interest (including tax).

Interest tax This is an interest calculator, you can enter it yourself.

The interest on the savings is calculated by monthly accumulation. If the monthly deposit amount is fixed and the deposit is full continuously, the calculation formula is: interest = monthly accumulation * monthly interest rate.

Monthly accumulation = monthly fixed deposit amount * deposit times * [deposit period (number of months) + 1] 2 If there is any leakage during the deposit period, the missing deposit amount should be deducted from the original accumulation number. Missing Deposit = Monthly Fixed Deposit * Missing Deposit Period Missing Deposit Period = Predetermined Deposit + 1 - Missing Deposit Period.

If you only miss the deposit once and make up the deposit in the next month, you can be regarded as not missing the deposit and calculate interest. If the deposit is made up at the end, it will be deemed to be in default, and the part deposited after default will be calculated according to the current interest rate when withdrawing.

The interest rate of the one-year lump sum deposit is, after one year, the principal is 2000 12 = 24000 yuan, the interest is 24000 yuan, and the same current interest rate is less than 100 yuan.

Further information: Interest is the fee for the use of money over a certain period of time, and refers to the remuneration received by the holder of the currency (creditor) from the borrower (debtor) for lending money or money capital. This includes interest on deposits, loans, and interest on various bonds.

Under capitalism, the source of interest is the surplus value created by wage workers. The essence of interest is a special form of transformation of surplus value, which is part of the profit.

Definition. 1. Money other than the principal obtained from deposits and loans (different from 'principal').

2. Interest (interest) abstractly refers to the value-added amount brought by the injection and return of monetary funds to the real economic sector. Interest is less abstract and generally refers to the remuneration paid by the borrower (debtor) to the lender (creditor) for the use of borrowed money or capital. Also known as sub-gold, the symmetry of the mother gold (principal).

The formula for calculating interest is: interest = principal interest rate deposit term (i.e. time).

Interest is the remuneration received by the owner of the fund for lending the money, which comes from the part of the profit generated by the producer using the money to perform the operating function. It refers to the value-added amount brought by the injection and return of monetary funds to the real economic sector, and its calculation formula is: interest = principal interest rate 100% of the deposit period

3. Classification of bank interest.

According to the nature of the bank's business, it can be divided into two types: bank interest receivable and bank interest payable.

Interest receivable refers to the remuneration that the bank receives from the borrower for lending funds to the borrower; It is the price that the borrower must pay to use the money; It is also a part of the bank's profits.

Interest payable refers to the remuneration paid by the bank to the depositor for absorbing the deposit; It is the price that the bank has to pay to absorb the deposit and is part of the bank's cost.

Fractional deposits are generally deposited at a minimum of five yuan per month, deposited once a month, and if there is any omission in the middle, it should be made up in the next month, and the deposit period is generally divided into one year, three years and five years; The interest calculation of the lump sum deposit is calculated according to the actual deposit amount and the actual deposit period, and the specific interest rate standard is implemented according to the interest rate table. Fractional deposits and withdrawals can be pre-deposited (the number of times is indefinite) and missed deposits (if there is any missing deposit, it should be made up in the next month, but the cumulative number of missed deposits does not exceed 2 times), and the deposit amount after the account is missed twice (inclusive) or more will be calculated as the current deposit.

It is calculated according to the formula of the accumulation method.

Interest. The formula is as follows:

Interest = Cumulative Gross Interest-bearing Accumulation Daily Slippery Interest Rate, wherein, Cumulative Interest-bearing Accumulation = Total Daily Balance during the Interest-bearing Period.

That is: interest rate = cumulative daily accumulation of deposits * annual interest rate 360;

You can try this calculation by using the ** below.

Lump sum deposit is a common method adopted by ordinary residents, taking the calculation of the interest rate of lump sum deposit as an example.

The balance of the lump sum deposit is increasing day by day, so we cannot simply use the method of calculating the interest of the lump sum deposit, but can only use the simple interest annuity method to calculate, the formula is as follows:

sn =a(1+r)+a(1+2r)+…a(1+nr)

na+1/2 n(n+1)ar

Among them, A represents the principal deposited in each period, and Sn is the sum of principal and interest after N periods, and Sn can also be called the final value of simple interest annuity. In the above equation, na is the total amount of principal saved, and 1 2 n(n ten1)ar is the total amount of interest earned.

Usually, the lump sum deposit is made once a month, and the deposit amount is the same each time, so for the sake of convenience, we can make the deposit period constant as follows:

If the shelf life is 1 year, then d = 1 2 n (n ten 1) = 1 2 12 (12 + 1) = 78

Similarly, if the deposit period is 2 years, then the constant can be calculated from the above equation d=300, and if the deposit period is 3 years, the constant is d=666.

In this way, we have: 1 2 n(n ten 1) ar=dar, that is, the interest on the fractional deposit.

For example, you deposit $1,000 per month. The deposit period is 1 year, and the monthly interest rate of the deposit is the current one-year one-year zero deposit and withdrawal monthly interest rate implemented from October 29 of the year), then the annual interest at maturity is: 1000 78 yuan).

If the depositor withdraws overdue, then the interest on the balance at maturity on the number of days of expiration will be calculated according to the interest rate of the current account.

There is another way to calculate the interest on the lump sum deposit, which is the fixed interest calculation method.

The so-called fixed interest calculation method is to use the accumulation method to calculate the interest of each yuan into a fixed interest, and then multiply the fixed interest per yuan by the balance at maturity to obtain the interest amount.

Fixed interest per dollar =1 2 n(n+1)nar na=1 2(n ten1)r

If so, the monthly interest rate of the current one-year lump sum deposit is. Then, we can calculate the fixed interest per dollar as: 1 2 (12+1).

You deposit 1000 yuan per month, and this maturity balance is: 1000 12 = 12000 (yuan).

The interest is: 12,000 yuan).

After deducting the 20% interest tax, you will actually get interest dollars. (Note: Interest accrued after October 9, 2008 is no longer subject to interest tax).

(China Merchants Bank) "Fractional deposit and lump sum withdrawal" calculates interest according to the formula of accumulation and interest calculation method.

Interest] = Cumulative interest-bearing accumulation * daily interest rate, where cumulative interest-bearing accumulation = Total daily balance during the interest-bearing period.

To put it simply, the interest accrued at the beginning of the deposit period is accumulated every month, so the earlier the deposit is made each month, the higher the interest will be earned.

The calculation method of interest on a lump sum deposit is as follows: interest = monthly deposit amount * accumulated monthly accumulation * monthly interest rate.

Depositors need to deposit a fixed amount every month, and the principal and interest can be withdrawn at one time when the redeposit expires.

However, for depositors, the deposit date of each month is not fixed, and depositors can choose to deposit in advance.

The concept of zero deposit and withdrawalHow to calculate the interest of zero deposit and withdrawalThe calculation of interest on zero deposit needs to be calculated according to the actual amount of depositor and the term of the deposit, generally 1 year, 3 years or 5 years.

The specific monthly interest rate needs to be implemented with reference to the bank's interest rate for the current month, and the main characteristics of the lump sum deposit and withdrawal are planned, cumulative and binding.

Comparatively speaking, this deposit method is more suitable for users who need to make deposits, and users need to deposit at the bank on a monthly basis.

If there is a failure to make up the deposit in the middle of the month, it should be made up in the next month, and if it is not made up, it will be regarded as a defaulter by the bank.

2019 Latest Fractional Deposit Interest Calculator Moore Dragon.

1.Fractional deposit refers to a fixed monthly deposit, set into a whole, agreed deposit period, and a one-time withdrawal of principal and interest at maturity, generally with a minimum deposit of 5 yuan, and no limit on multiple deposits. The deposit period is divided into 1 year, 3 years and 5 years.

According to the calculation formula of the lump sum deposit and the current interest rate of the lump sum deposit, the interest calculation formula of the lump sum deposit and withdrawal is: interest = monthly deposit amount, cumulative monthly accumulation, monthly interest rate. The cumulative monthly accumulation (deposit times 1) 2 deposit times.

Based on this, the cumulative monthly accumulation of the one-year period is (12+1) 2 12=78, and so on, the cumulative monthly accumulation of the three-year and five-year periods is 666 and 1830, respectively. Interest = 500 (1830) (Yuan extended information: the deposit opening procedures for the whole deposit and withdrawal are the same as the current account, the depositor can handle it online in the online banking, or the current passbook can be handled at the bank, after the completion of the process, the bank gives the depositor a valid withdrawal voucher is the certificate of deposit.