Rates & growth
Early-withdrawal loss calculator
What does breaking a time deposit early actually cost? The withdrawn part drops to the demand-deposit rate — enter your certificate's details to compare all three payouts side by side.
Interest change vs maturity: full withdrawal
-5,602.92
held 699d of a 1095d term
Negative means less interest; positive means more. Retained funds stay to maturity. No reinvestment after withdrawal is assumed. Confirm minimum balances and withdrawal limits with your bank.
Interest at maturity
5,700
Interest if all withdrawn
97.08
Loss per 10k withdrawn
560.29
Interest after partial withdrawal
3,458.83
of which demand-rate
38.83
Loss vs maturity
-2,241.17
Loss by withdrawal share
On narrow screens, swipe horizontally or focus this table and use the arrow keys.
| Share | Amount | Total interest | Loss vs maturity |
|---|---|---|---|
| 10% | 10,000 | 5,139.71 | -560.29 |
| 20% | 20,000 | 4,579.42 | -1,120.58 |
| 30% | 30,000 | 4,019.12 | -1,680.88 |
| 40% | 40,000 | 3,458.83 | -2,241.17 |
| 50% | 50,000 | 2,898.54 | -2,801.46 |
| 60% | 60,000 | 2,338.25 | -3,361.75 |
| 70% | 70,000 | 1,777.96 | -3,922.04 |
| 80% | 80,000 | 1,217.67 | -4,482.33 |
| 90% | 90,000 | 657.37 | -5,042.62 |
| 100% | 100,000 | 97.08 | -5,602.92 |
How early withdrawal is re-priced
This scenario prices the withdrawn amount at your entered demand rate for actual days held, including the deposit date and excluding the withdrawal date. Retained funds keep the term rate to maturity. Confirm eligibility, minimum retained balances and withdrawal limits with your bank.
Maturity interest uses whole calendar months at the term rate plus leftover days at the daily rate (annual ÷ day-count basis). Demand interest = amount × demand rate × actual days held ÷ basis. The tool offers both the 360- and 365-day conventions and defaults to 360.
Why the loss is bigger than it feels
The cost is not a few days of missing interest — the entire holding period is re-priced at the demand rate. With the defaults above, a 100k three-year deposit pulled after ~23 months yields roughly 5,700 at maturity but only ~97 at the demand rate.
A partial withdrawal is the main lever: only the slice you actually need is re-priced, while the rest still earns the term rate. The per-10k loss figure in the table shows exactly what each extra slice costs.
Frequently asked
How is early-withdrawal interest computed?
The withdrawn amount earns the demand-deposit rate posted on the withdrawal date: interest = amount × demand rate × actual days held ÷ day-count basis (360 by default). The retained part keeps the contracted term rate to maturity.
How much does a full early withdrawal cost?
Loss = maturity interest − demand interest. With the default example (100k, 3-year at 1.9%, pulled after 699 days) the loss is about 5,603 — nearly all of the maturity interest. The longer the term and the wider the rate gap, the bigger the loss.
How many partial withdrawals are allowed?
This tool models one partial withdrawal and does not validate your bank's withdrawal limits or minimum retained balance. These depend on the product terms; confirm them with your bank.
Which day-count basis should I pick — 360 or 365?
Chinese banks commonly accrue demand interest as actual days ÷ 360, which is the default. Switch to 365 only if your certificate or the bank's notice states it; the difference is small.
Does this apply to CDs with laddered-rate clauses?
Not exactly. Some large-denomination certificates price early withdrawal at the rate tier matching the actual holding period, which costs far less than the demand rate. This tool models a plain fixed deposit — check your certificate's terms.
Modelled on standard fixed-deposit rules: withdrawn amounts earn the demand rate for actual days held, retained amounts keep the contracted rate. Terms vary by bank and product — check your certificate. For reference only.