Compute the maturity value of fixed-income instruments — deposits, certificates of deposit (CD), bonds, and debt notes. Supports simple interest, compound interest, a two-instrument comparison, and a solver (find the principal or interest rate for a target maturity value).
Important note: all results are computed gross before taxes and fees. This calculator is only an educational tool and not financial advice. Actual rates, taxes, and fees may make the amount you receive differ from the computed result.
Maturity value is the amount of money you receive when a financial instrument reaches the end of its term — for example a deposit, certificate of deposit, or bond. It is the principal you deposited plus all interest accumulated over the term. The basic formulas: simple interest MV = P × (1 + r × t), and compound interest MV = P × (1 + r/m)^(m×t).
Simple interest is computed only from the initial principal: the interest per period is fixed. Compound interest is computed from the principal plus accumulated interest, so it grows faster and faster. Example: a principal of 10,000 at 5% per year for 3 years gives a maturity value of 11,500.00 with simple interest, but 11,576.25 with annual compound interest — a difference of 76.25.
Face value is the principal printed on the instrument — for example a bond with a face value of 10,000. Maturity value is the actual amount you receive at the end, i.e. face value plus interest (or minus discount). The two are exactly equal only if the instrument pays no interest at all.
Not the same. This calculator focuses on the maturity value of fixed-income instruments: deposits, bonds, and debt notes — including simple interest mode, a two-instrument comparison, and a principal/rate solver. If you want to project long-term savings or investments with regular deposits, use the compound interest calculator designed for general growth scenarios.
The more often interest is compounded, the larger the maturity value — because interest paid earlier earns further interest. At the same nominal rate, monthly compounding always produces a higher value than annual compounding. A fair comparison between instruments uses the effective interest rate (EAR), computed automatically in the Comparison tab.
Yes, interest income is generally taxed before you receive it net. In Indonesia, deposit interest is subject to final income tax (20% under the rules in force in 2026; rules can change, always check the latest provisions). This calculator computes gross maturity value before tax — subtract the applicable tax rate yourself for a net estimate.
No. This calculator is an educational tool for computing maturity value from the numbers you enter. The results are not recommendations to buy, hold, or sell any financial instrument, and not a guarantee of actual results — actual rates, taxes, and fees may differ. For financial decisions, consult a licensed financial planner.
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