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Fixed Deposit vs T-Bill vs SSB Comparison

Compare estimated net returns for a selected official bank fixed deposit, a recent MAS T-bill and the current SSB using the same starting cash and intended timeframe, with idle cash, fees, liquidity and early-exit treatment shown.

✓ Results shown free✓ Dated source references✓ General information only
Live comparison

Uses date-stamped bank and MAS data. Only sources verified as current enter the live ranking; stale, partial and historical records remain clearly excluded.

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One amount and one timeframe

The same starting cash is applied to every eligible product. Cash left idle earns 0% in this comparison.

V36.0.0
One amount and one timeframe
Fixed deposit
Singapore T-bill
Singapore Savings Bond
Dated official issueGX26090VLast valid data—refresh overdue
Singapore Fixed Deposit RatesSingapore T-Bill RatesSingapore SSB Rates
Scope and limitations

Cash-only comparison. CPF and SRS funding are excluded. No reinvestment return is assumed after maturity. This is not a whole-market best fixed-deposit list and does not assess suitability, allocation or future rates.

⌁Calculated in your browser. Inputs are sent only when you load official data, save or export.

Clear outputs

What this tool will show

Each result stays connected to the inputs and rules used.

  • 01Ending value and estimated net return
  • 02Directly comparable return ranking
  • 03Deployed and idle cash
  • 04Fees, liquidity and early-exit conditions
  • 05SDIC insured and uninsured portions
  • 06Official source and freshness dates
Transparency standard

The workings stay visible from day one.

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Official rules

Applied parameters include a source and verification date.

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Assumptions

User inputs and defaults are clearly separated.

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Limits

Scope and exclusions appear beside the result.

Read the full methodology→

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interest.sg provides general information, dated reference data and calculation tools. Results are estimates—not financial, investment, legal, tax, property, valuation, CPF, HDB, lending, insurance or protection advice. Verify material decisions with the relevant authority or a qualified professional.

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