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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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金融ツールの注意

このツールの結果は参考用の概算値です。ローン、返済、投資、税務、契約判断の単独の根拠として使わず、必ず金融機関、公式資料、専門家の確認を受けてください。

Deposit principalAnnual rate (%)Term (months)Tax rate (%)

Interest type

Net maturity amount

￥10,350,000

Gross interest

￥350,000

Tax withheld

￥0

Net interest

￥350,000

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.

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.

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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