If you are making a Term Deposits, often called Certificate of Deposit (CD) at a bank, you can use this online tool to calculate the Compound Interest at Maturity from a given interest rate and a compounding frequency. Interest rate can be given as APY (Annual Percentage Yield) or APR (Annual Percentage Rate).

Interest and other information calculated by FYIcenter.com:

Interest at maturity: $12.27
APR (Annual Percentage Rate): 4.9089%
APY (Annual Percentage Yield): 5.0000%
Compounding frequency: Annually
Compounding periods: 1
Deposit term: 3 months (or 90 days)
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Deposit date: 2025-12-31
Maurity date: 2026-03-31
Deposit amount: $1,000.00
Interest at maturity: $12.27
Value at maturity: $1,012.27

The following formulas are used in the above calculations:

$\mathrm{Interest}=\mathrm{Deposit}\times ({(1+\mathrm{APY})}^{\mathrm{Years}}-1)$
$\mathrm{APY}={(1+{\displaystyle \frac{\mathrm{APR}}{N}})}^N-1$
$N=\text{Number of compounding periods in a year}$

References:

• "Compound Interest Formula Derivations" by Rod Pierce.

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