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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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金融工具提示

该工具给出的结果仅供参考估算。请不要将其作为贷款、还款、投资、税务或合同决策的唯一依据，操作前请向金融机构、官方资料或专业人士再次确认。

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

Interest type

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.

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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