Example 1 — One year at 5%, tax 19%
- Amount: 10,000
- Rate: 5%
- Term: 12 mo.
- Tax: 19%
Gross 500
Tax 95
Net 405
Final 10,405
A classic one-year term deposit — 405 interest left after withholding.
Deposit / term deposit gain
Estimate interest on a term deposit with simple interest, optional withholding tax, and a term in months.
Simple-interest model: gain = principal × rate × (months/12). Default tax 19% (Poland-style interest withholding) can be set to 0. No intra-term compounding or early-break penalties — an estimate, not a bank quote. Amounts follow the header currency.
Result
Enter data and click Calculate.
How results are calculated
Gross interest = principal × (rate/100) × (months/12).
Tax = interest × (taxRate/100). Net = gross − tax. Final = principal + net.
How to use the calculator
- Enter the deposit amount in the header currency.
- Enter the annual interest rate (%) from the offer.
- Set the term in months.
- Optionally change the tax (default 19%) or set 0 for a gross-only view.
Usage examples
Example 2 — Six months
- Amount: 20,000
- Rate: 4%
- Term: 6 mo.
- Tax: 19%
Gross 400
Tax 76
Net 324
Final 20,324
A shorter term scales interest down proportionally at the same annual rate.
Example 3 — Two years
- Amount: 5,000
- Rate: 6%
- Term: 24 mo.
- Tax: 19%
Gross 600
Tax 114
Net 486
Final 5,486
Simple interest without compounding — 24 months equals two years × 6%.
FAQ
What does deposit profit mean?
Interest accrued on principal over the chosen term at the stated rate — often with an optional interest-tax field. Result in the header currency.
When does the result match a real deposit?
When term and compounding match the contract (e.g. interest at maturity, no early withdrawal).
Which assumption can mislead?
Assuming you can withdraw early without losing interest. Many deposits then cut or zero the yield.
What mistake compares offers unfairly?
Matching a gross rate to a net-of-tax quote, or different term lengths without normalising the horizon.
What is the tax field for (default 19%)?
An estimate of interest withholding (Poland’s flat capital-gains style rate). Set 0 for gross-only or if your jurisdiction has no such tax.
How does this differ from savings interest?
This tool uses simple interest in months (term deposit framing). Savings interest uses years for educational simple interest, not a bank term product.
What does the model omit?
Intra-term compounding, early-break penalties, and promotional rate cliffs — it is gain = principal × rate × (months/12).
When should you not rely on this alone?
When the bank compounds monthly or the offer has tiered conditions — also check compound interest and the product terms.