Fixed-Term Savings and Bonds Maturity Register

Who this is for

Know when each fixed-term saving ends, before it rolls over. Each account, bond and certificate gets a line with the amount, rate, term and maturity date, with the days left and interest estimated, and a second table records what happens by default.

Savers with money spread across fixed-term accounts, bonds and savings certificates with different end dates, and anyone keeping a record a partner or executor could follow.

What this helps you track

• Every fixed-term product, the amount placed and the rate agreed
• The maturity date and the days left until it
• An estimate of the interest due at your own rate
• What happens by default at maturity and the date to act by
• Your decision for each one: withdraw, reinvest or move

How to use it

1. List each product with the provider, the last digits of the account or certificate number, the amount placed, the rate and the term in months.
2. Copy the maturity date from the provider's letter or app; days left and estimated interest are worked out in the browser and the workbook.
3. In the second table, write what the provider will do by default when the term ends and the date by which they need your instructions.
4. Decide what to do with each before that date and record it; tick Done once your instruction is confirmed.
5. Sort by days left in the workbook, or keep the printed list in date order, and add each new product as it is opened.

Formats

• Printable PDF (A4 and US Letter)
• Fillable PDF with form fields
• Fill in online, saved in your browser
• Excel / Google Sheets workbook

The printable is laid out inside a box that fits both A4 and US Letter, so the two files are identical and neither one is scaled. The fillable PDF has real form fields. The workbook uses plain formulas only — SUM, IF, COUNTIF and the like — so it opens in Excel, LibreOffice and Google Sheets without anything breaking, and every calculated cell is grey so you can see which figures it worked out.

How to print

Download the A4 or US Letter file to match the paper in your printer, open it in a PDF reader and print at 100% — not "fit to page", which shrinks the writing space. Both files leave a 14 mm margin, which clears the unprintable edge on home printers. To print the online version with your entries in it, use the Print this sheet button, which prints only the sheet and none of the page around it. More on printing.

Questions

How is the interest estimated?

As simple interest: the amount times your rate times the term in years. Products that compound, pay interest monthly or pay a fixed return will differ, so use the provider's own figure where it gives one.

What happens at maturity?

It depends on the product and the provider: some roll into a new term, some move to an easy-access account and some pay out. Write what your own terms say in the default column, because that is what happens if you do nothing.

Can I include products with no end date?

Savings with no maturity date do not need this register; keep them in your general savings records. Bonds and certificates that run for a fixed term fit, with the term in months and the date they mature.

Should I write the full account number?

No. The last few digits are enough to tell products apart. Keep certificates and letters somewhere safe, and write where they are at the top of the sheet.