FD Uplift Calculator
See how much extra profit a rate uplift adds to your fixed deposit — you choose how the uplift applies, since banks define "uplift" differently. Everything runs in your browser and nothing is saved.
Uplift — result
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Message Faiz on WhatsApp →What is an FD uplift?
An "uplift" generally means your deposit starts earning a higher rate — for example through a promotional rate revision, a renegotiation, or an additional placement at a better board rate. Because banks apply uplifts differently, this tool lets you choose the scenario: the new rate on the whole balance for the remaining period, the new rate retroactively for the whole tenure, or a higher rate applying only to a new top-up amount.
All scenarios use simple profit: Profit = Principal × Rate × Days ÷ Day-Count Basis. The "additional profit from uplift" compares your chosen scenario against the baseline of the original rate on the original principal for the full tenure.
Worked example
Example: RM100,000 placed 1 Jan at 3.0% p.a., maturing 31 Dec (364 days, Actual/365). On 1 Jul (181 days in, 183 remaining) the rate is uplifted to 3.8% for the remaining period. Baseline profit ≈ RM2,991.78. With uplift: 100,000 × 3.0% × 181 ÷ 365 + 100,000 × 3.8% × 183 ÷ 365 ≈ RM1,487.67 + RM1,905.21 = RM3,392.88 — about RM401.10 extra from the uplift.
Frequently asked questions
Which uplift scenario should I pick?
Check your bank's letter or certificate — it will state whether the new rate applies to the whole placement, only going forward, or only to new money. Pick the scenario matching those terms.
Why does my bank's figure differ?
Day-count conventions, rounding, compounding and product-specific rules vary by institution. This tool is an estimate; the bank's contractual calculation is authoritative.
Are my figures stored or sent anywhere?
Everything runs in your browser. Nothing you enter is saved or transmitted.
Disclaimer: This calculator is provided for educational and illustrative purposes only. It does not constitute accounting, tax, investment or professional advice. Users should verify the applicable accounting standards, contractual terms and professional requirements before relying on the result.