Addendum ....

I wrote wrote:
"Tiya" wrote:
Day 2.Deposits 35000:Withdrawls 20000 :closing balance 10000
[....]
on Day 2, your outstanding interest is 1.64 (5000*12%/365),
and your closing balance would be 9999.36 (10000 - 1.64).

Of course, you could deposit 35001.64 instead. But that is not
always as easy as it sounds.