Recurring or lump-sum, simple or compound, with after-tax payout — enter a rate and term for instant maturity interest!

The OgleOgle Interest Calculator works out the maturity value of a savings plan or a fixed deposit on a single screen, free and with no signup or install. Pick whether you save a fixed amount every month (recurring) or park a lump sum once, choose simple or compound interest, then enter the annual rate, term in months and tax type — the principal, pre-tax interest, interest tax and after-tax payout appear instantly.

Four combinations are supported. A recurring deposit with simple interest earns interest on each installment for the months it stays in the account. A recurring deposit with compound interest compounds every installment monthly until maturity. A lump-sum deposit with simple interest is principal × rate × term, while compound interest grows the principal by (1 + monthly rate) each month. Compounding is monthly throughout.

Interest is taxable in most jurisdictions, so three tax presets are built in: standard (15.4%), tax-free (0%) and preferential (9.5%). The calculator subtracts the tax from your gross interest and shows the net interest and the final after-tax amount you actually receive at maturity. Everything is computed in your browser and never sent to a server.

Use it to compare a monthly savings plan against a fixed deposit, to see how much compound interest beats simple interest over a long term, or to check whether a headline rate is worth it after tax. Amounts are formatted with thousands separators for easy reading, and the share and copy buttons let you send the breakdown to a friend or paste it into a memo. It works identically on mobile and desktop, with dark mode support.

FAQ — Q. What is the difference between simple and compound interest? A. Simple interest is earned only on the original principal, while compound interest is earned on the principal plus previously accrued interest, so it grows faster over time. Q. Which tax rate should I pick? A. Ordinary interest income is usually taxed at the standard rate; tax-advantaged or exempt products use the lower presets. OgleOgle also offers other free everyday tools such as the percentage calculator, salary calculator, date calculator and D-day calculator.