Fixed Deposit Calculator — China
Calculate your fixed-deposit maturity value and interest in CNY at current rates. No signup, no tracking.
Fixed deposit rates in China (2026)
Time deposit rates ≈ 1.5–2.5% p.a. for 1-5 year terms. Large state banks lower; small/regional banks slightly higher. Rates have fallen significantly over the past 3 years.
At around 2%, the fixed-deposit rate in China is on the low side by international standards.
Reference figures, ~2026. FD interest is often taxable and rates vary by bank and tenure - verify the current rate before depositing.
Worked example
For every ¥100,000 deposited at 2.00% for 5 years (quarterly compounding):
- Maturity value: ¥110,490
- Interest earned: ¥10,490
Scale to your deposit amount. Longer tenures and higher rates grow the maturity value; compare banks before locking in.
How to get the best fixed-deposit return in China
- Compare several banks - smaller and digital banks often pay more than the big high-street names.
- Ladder your deposits across different tenures so some matures regularly and you can reinvest at new rates.
- Check how often interest compounds; more frequent compounding grows the maturity value.
- Factor in tax on the interest, and compare against short-term government bills or bonds.
Frequently Asked Questions
How is FD maturity calculated in China?
Maturity = P × (1 + r/4)^(4n) for quarterly compounding, where P is the deposit, r the annual rate and n the years. fin·calc uses this standard method.
What is the current FD rate in China?
As a 2026 reference, fixed-deposit rates are around 2% per year, varying by bank and tenure. Time deposit rates ≈ 1.5–2.5% p.a. for 1-5 year terms. Large state banks lower; small/regional banks slightly higher. Rates have fallen significantly over the past 3 years.
Is FD interest taxable in China?
In most countries FD interest is taxable as income; some offer tax-advantaged or senior-citizen options. Check your local rules - the calculator shows the pre-tax maturity value.
Is a fixed deposit safe in China?
Fixed deposits carry no market risk. In China, bank deposits are typically protected by a national deposit-insurance scheme up to a set per-depositor limit. Confirm the current cap and which banks qualify before you deposit. They trade higher safety for lower long-term returns than equities.
Should I choose a fixed deposit or invest instead in China?
A fixed deposit gives a guaranteed return and suits money you cannot afford to risk. Investing targets higher long-term growth but can fall in value. Many people keep an FD for safety and invest separately for growth.
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Sources
Deposit rates are compiled from each country's central-bank publications and the typical offerings of its major banks, reviewed for 2026 and subject to change — always confirm the current rate with your bank before depositing. See our methodology and editorial policy for how we source and update this data.