The Financial Comparison Guide of the Philippines

Time Deposit Calculator

Calculate and compare time deposit rates from Philippine banks

Time Deposit Calculator

PHP
10,000 - 50,000,000
%
Auto-updated based on selection

Interest Rates Comparison

Bank NameMinimum Amount3 Months6 Months12 Months24 MonthsBest Rate

Time Deposit Tips and Guides

Longer Terms = Higher Rates
Banks typically offer higher interest rates for longer deposit terms as your money is committed for more time.
Power of Compound Interest
Compound interest earns interest on both your principal and previously earned interest, maximizing your returns.
Deposit Insurance (PDIC)
In the Philippines, deposits are protected by the Philippine Deposit Insurance Corporation (PDIC) up to ₱1,000,000 per depositor per bank (effective March 15, 2025).
Consider Tax Implications
In the Philippines, interest income from time deposits is subject to a 20% final withholding tax (15% for deposits with a maturity of 5 years or more). Interest held in special savings accounts may be taxed differently. Consult a tax professional for your specific situation.