Fixed deposit planning tool

FD Laddering & Portfolio Manager

Track multiple fixed deposits across banks, see your weighted average FD rate and maturity map, and simulate laddering strategies to balance liquidity and returns.

This tool is for general information and estimation only. It does not represent any bank's official calculation or any product recommendation.

1. Add your existing fixed deposits

List each FD you currently hold. Use the Add FD button to insert new rows. You can delete rows any time.

FD	Principal (RM)	Rate (% p.a.)	Tenure (months)	Start date	Action

Interest is approximated using simple interest on the stated tenure. For precise numbers, always refer to your bank statements.

Portfolio summary

Total principal

RM 0.00

Combined principal across all FDs in this portfolio view.

Total interest at maturity

RM 0.00

Sum of estimated interest for all FDs when they reach maturity.

Weighted average FD rate

0.00 % p.a.

Weighted by principal amount of each FD. Tenure differences are not adjusted in this simple view.

Number of FDs tracked

Count of rows with valid principal and rate.

Earliest maturity date

Latest maturity date

FD	Principal (RM)	Rate (% p.a.)	Tenure (months)	Start date	Maturity date	Interest (RM)	Maturity amount (RM)

1. Laddering strategy setup

Total amount to invest (RM)

Total cash you want to allocate into this ladder strategy.

Start date

Date when you plan to place the first batch of FDs.

Ladder interval (months)

How often you want some money to mature and become available again.

Number of rungs

How many different tenures in the initial ladder. Longest tenure equals interval × rungs.

FD rates by rung

When you set interval and rungs, the table below will show each rung tenure. Fill in the rate for each tenure.

Rung	Tenure (months)	Rate (% p.a.)

Flat FD comparison rate (% p.a.)

Rate you could get if you put the entire amount into a single FD for the longest tenure.

This simulator uses simple interest and does not reinvest maturing FDs. In reality, a rolling ladder typically reinvests each matured FD into the longest rung.

Ladder vs single FD

Total interest - ladder strategy

RM 0.00

Estimated interest from all rungs in the initial ladder cycle.

Total interest - single long FD

RM 0.00

If you place the full amount into the longest tenure using the comparison rate you entered.

Difference (ladder minus single)

RM 0.00

Ladder usually trades a little interest for better liquidity. A positive value means ladder earns more.

Longest initial tenure

Based on interval multiplied by number of rungs. This is the lock in for the last rung.

Set your total amount, ladder interval and rungs on the left, then add rates for each rung. The summary will compare the initial ladder to a single long FD and list each rung's maturity.

Rung	Amount (RM)	Tenure (months)	Rate (% p.a.)	Interest (RM)	Maturity date	Maturity amount (RM)

What is FD laddering and why do people use it

FD laddering is a way of splitting a lump sum into several fixed deposits with different maturity dates. Instead of locking all your money into one long FD, you create a ladder of shorter and longer tenures. When one rung matures, you can either spend the cash or roll it into a new long rung. Over time this helps you reduce liquidity risk and smooth out interest rate risk.

Why a single FD is not always the best choice

Putting everything into one long FD can be tempting because the rate is usually higher. However, if you need money before maturity, you may face early withdrawal penalties or lose interest. If market rates rise after you lock in a low rate, your opportunity cost is also higher. Laddering gives you periodic access to cash while still keeping part of your money in longer tenures.

Reading your FD portfolio like a professional

Weighted average rate - this tells you the overall FD rate across all your deposits, weighted by principal, instead of looking at each FD in isolation.
Maturity map - by grouping maturities by month, you get a quick view of upcoming liquidity and when large sums will be available.
Total yearly interest - knowing how much interest you earn helps with budgeting and comparing FD against other options.

Limitations of this FD laddering and portfolio manager

Uses simple interest based on rate and tenure. It does not model special compounding rules or step up structures.
Does not include tax on interest, early withdrawal penalties or auto renewal options.
Does not fetch live FD rates or compare specific banks or products.

Important disclaimer

This calculator is provided for educational and illustrative purposes only. It does not recommend, endorse or compare specific banks, products or rates. Calculations are simplified and may not match your bank's official figures. Users should verify actual FD rates, tenures, compounding rules and terms directly with their financial institutions and consult licensed financial advisers before making financial decisions.