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Deposit Interest Calculator

Enter your deposit amount, annual rate, term, and tax rate to estimate gross interest, withheld tax, and net maturity value.

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Aviso financiero

Esta herramienta ofrece solo estimaciones de referencia. No la utilices como base unica para decisiones de prestamo, pago, inversion, impuestos o contratos. Confirma el resultado con tu entidad financiera, documentos oficiales o un profesional cualificado antes de actuar.

Net maturity amount

10.350.000,00 €

Gross interest

350.000,00 €

Tax withheld

0,00 €

Net interest

350.000,00 €

How deposit interest is estimated

The tool calculates either simple interest or monthly compounding, then subtracts the tax rate you enter to show the after-tax maturity value.

Calculation notes

  • Simple mode: principal × annual rate × term
  • Monthly compound mode: principal × ((1 + monthly rate)^months - 1)
  • Tax treatment differs by country and product, so confirm the final amount with your provider.

Frequently asked questions

What happens if tax rate is zero?expand_more

The calculator will show the full gross interest as net interest and add it to the maturity amount.

Why only simple and monthly compound modes?expand_more

Those two modes cover the most common fixed deposit comparison cases without adding unnecessary complexity.

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