Deposit Interest Calculator

Calculate the maturity amount from deposit, rate, term, and interest tax.

Note: A financial reference calculation. Actual interest varies by product terms, preferential rates, taxation, and early-withdrawal conditions.

Category: Calculators

When to use?

Use it to compare term-deposit products, or to preview the after-tax interest and maturity amount by deposit and term.

How to use

  • Enter the deposit amount.
  • Enter the annual rate (%) and term (months).
  • Check the interest tax rate (default 15.4%).
  • Pre-tax and after-tax interest and the maturity amount are calculated.

Input Explanation

Enter the lump-sum deposit, the applicable annual rate, and the term (months).

Calculation Basis

Simple interest: interest = principal × rate × term (years). After-tax interest = interest × (1 − tax rate). Maturity = principal + after-tax interest.

Usage Examples

  • Compare deposit products - Enter rate and term to compare after-tax interest and maturity amounts.
  • Review lump-sum options - Preview the maturity amount by deposit and term.
  • Check after-tax interest - Apply the interest tax rate to see the interest you actually receive.

Examples

  • 10,000,000, 3.5%/yr, 12 months, 15.4% tax → pre-tax 350,000, after-tax 296,100, maturity 10,296,100
  • 20,000,000, 3%/yr, 6 months, 15.4% tax → pre-tax 300,000, after-tax ~253,800

Cautions

  • Preferential-rate conditions, tax-free/tax-advantaged products, and loss of the agreed rate on early withdrawal change the actual amount. Check the product terms before signing up.
  • This is a simple estimate from your inputs and a general formula; verify officially before any real or commercial use.

Guides

Deposit interest calculation

It estimates pre-tax interest by multiplying the deposit by the annual rate and term, then subtracts the interest tax for after-tax interest.

Check product terms

The actual maturity amount can vary with preferential rates, early withdrawal, and the interest-payment method.

FAQ

Can I change the tax rate?

Yes, you can enter the interest tax rate yourself.

How is deposit interest calculated?

Deposit × annual rate × term (years), then the interest tax is deducted.

Is it simple or compound interest?

It uses simple interest, like a typical term deposit paid once at maturity.

What is the usual interest tax rate?

The standard domestic rate is 15.4% (income tax plus local income tax). It can vary by product.

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