Calculator · data as of 25 Sep 2026
Savings interest calculator
Enter an amount and a term — every rate turned into the dong you actually receive
Computed on the latest market rate recorded for each bank, at the deposit tier your amount falls into.
| # | Bank | Interest at maturity | Total received | Interest rates | Behind the leader |
|---|
02 How it is calculated
Interest earned = amount deposited × annual rate × months ÷ 12
Simple interest on a term deposit paid at maturity — the most common arrangement, and the only one that compares like for like across banks.
Interest paid along the way
Taking interest monthly or quarterly usually earns less in total than taking it at maturity, because banks publish a lower rate for those options — the table above uses each option's own rate and converts nothing. What you get in return is a steady cash flow.
Early withdrawal
Most banks pay the demand-deposit rate on the whole period you held the money, not just on the part you cut short. That demand rate varies enormously from bank to bank — in this data edition the lowest is 0.01%/yr and the highest 0.20%/yr — so the "If you withdraw early" buttons above use that bank's own rate rather than one figure for everyone.
Conditions attached
Mức lãi cao nhất thường kèm điều kiện: số tiền tối thiểu, gửi qua ứng dụng, hoặc khách hàng mới. Cột điều kiện trong bảng đối chiếu ghi rõ từng trường hợp.