Fixed & recurring deposits

Your deposits, projected with real maths

A deposit is a promise the bank makes with numbers — so the tracking should be just as precise. Syncrofin follows your fixed and recurring deposits with interest maths that stands up to scrutiny: honest maturity projections, instalments confirmed rather than assumed, and a reminder as the payout day approaches.

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Family saving money with the fixed and recurring deposit tracker app
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Content couple secure with their deposits growing
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Savings growing steadily, tracked in the Syncrofin deposit app
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Maths that holds up

Maturity figures you can actually trust

A deposit tracker is only worth having if its numbers are right, and this is where most fall down. Syncrofin compounds properly, respects the difference between reinvested and paid-out interest, and refuses to flatter a projection to make it look prettier than the bank will pay.

The result is a maturity figure grounded in real arithmetic — the kind of precision that turns “roughly” into “exactly,” so you can plan against a number that will actually arrive.

  • Proper compounding across every frequency
  • Payout-mode deposits valued as principal plus real coupons
  • No inflated projections — the figure matches the bank’s
Savings growing from a jar of coins over time
Fixed deposits, precisely

Every FD, from compounding to payout

Some fixed deposits reinvest their interest; others pay it out along the way. Both are handled with the seriousness they deserve — compounded to maturity, or valued as principal returned plus the coupons actually paid, never conflating the two.

Set the rate, the frequency and the dates, and the deposit takes it from there: a clear picture of where it stands today and what it’s worth at the end.

  • Compounding or payout mode, each valued correctly
  • Set rate, compounding frequency, start and end dates
  • Auto-renew and nominee held with the deposit
A couple reviewing a fixed deposit plan together
A date is not a payment

Recurring deposits that only count what you’ve actually paid

A recurring deposit lives or dies by its instalments, and Syncrofin treats each one as an event to confirm, not a date to assume. Interest accrues on the contributions you’ve genuinely made — miss one, skip one, and the projection adjusts without inventing a penalty that isn’t there.

It’s the honest way to track an RD: a running picture that reflects reality, confirmed month by month, with an undo for the inevitable mis-tap.

  • Confirm, skip or undo each monthly contribution
  • Interest accrues only on payments actually made
  • Skipped months adjust the projection cleanly
Adding a monthly recurring deposit contribution
Never miss the payout

A countdown to maturity, so the money never sits idle

A matured deposit doing nothing is quiet money left on the table. As maturity nears, Syncrofin counts you down — thirty days out, then closer and closer — so you’re ready to reinvest or withdraw the moment it comes due.

When you do withdraw, it asks for the amount actually received, with a gentle check if that’s wildly off the estimate — because real payouts differ after tax, and your records should reflect what truly landed.

  • Maturity reminders at 30, 15, 7, 1 and 0 days
  • Records the amount you actually received on withdrawal
  • A soft check when a payout looks far from the estimate
Anticipating a deposit maturity payout
Questions

Deposits, answered

They’re built on proper compounding and a clear distinction between reinvested and paid-out interest, so the figure reflects what the bank will actually pay rather than a flattering estimate.
Each monthly instalment is confirmed, skipped or undone by you, and interest accrues only on contributions actually made. Skipped months adjust the projection without inventing a penalty.
Yes. Maturity reminders arrive at 30, 15, 7, 1 and 0 days, so you’re ready to reinvest or withdraw on time.
You record the amount actually received, with a soft check if it’s far from the estimate — real payouts often differ after tax, and your records should match reality.
Deposit tracking is part of Syncrofin Pro. Tracking your income and expenses is free.

There’s much more to explore…

Track your deposits with real precision

Honest projections, confirmed instalments, and a reminder before maturity.

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