Fixed Deposit Calculator — Japan
Calculate your fixed-deposit maturity value and interest in JPY at current rates. No signup, no tracking.
Fixed deposit rates in Japan (2026)
Time deposit rates ≈ 0.3–0.6% p.a. for 1-5 year terms. Rates edging up from historic zero-lower-bound. Top rates at online banks: SBI Shinsei, Aeon Bank.
At around 0.4%, the fixed-deposit rate in Japan is far below the global norm - among the lowest deposit rates anywhere, so keeping fees and charges near zero matters more than the headline rate.
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 ï¿¥100,000 deposited at 0.40% for 5 years (quarterly compounding):
- Maturity value: ï¿¥102,019
- Interest earned: ï¿¥2,019
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 Japan
- 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 Japan?
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 Japan?
As a 2026 reference, fixed-deposit rates are around 0.4% per year, varying by bank and tenure. Time deposit rates ≈ 0.3–0.6% p.a. for 1-5 year terms. Rates edging up from historic zero-lower-bound. Top rates at online banks: SBI Shinsei, Aeon Bank.
Is FD interest taxable in Japan?
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 Japan?
Fixed deposits carry no market risk. In Japan, deposits are protected by the DICJ up to ¥10 million plus interest per depositor, per bank. They trade higher safety for lower long-term returns than equities.
Should I choose a fixed deposit or invest instead in Japan?
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.