Deposit / term deposit gain calculator

The term deposit calculator uses simple interest from amount, annual rate, and months, then subtracts capital-gains withholding if you leave it on. 10000 at 5% for 12 months is 500 gross, 95 tax, and 405 net. There is no compounding during the term and no break fee.

Simple deposit interest, then optional 19%. 10000, 5%, and 12 months leave 405 net. Compounding is on compound interest.

Input data

Result

Deposit amount, Annual interest rate (%), Term (months) and Interest tax (%). The result shows up here.

How results are calculated

A term deposit on this page is gain from an amount, an annual rate, and a term in months. The formula is simple: amount times rate/100 times months/12. Then Belka tax, the Polish capital-gains withholding, comes off those interest earnings. The default is 19%. The final balance is the amount plus interest after tax. There is no compounding during the term: 24 months at 6% count as two full years times 6%, not interest on interest.

The first card uses 10000, 5%, and 12 months and yields 500 gross. 19% of 500 is 95, net is 405, and the final balance is 10405. At 20000, 4%, and 6 months, gross falls to 400, tax 76, net 324. 5000 at 6% for 24 months is 600 gross and 486 after withholding.

Type Deposit amount, Annual interest rate (%), and Term (months). Interest tax (%) starts at 19; type 0 if you want gross interest alone. Click Calculate and read gross, tax, net, and the final amount. The 10000, 5, 12, and 19 placeholders match the first example.

Compound interest next door adds interest to principal once a year and does not ask for months or withholding. Bare simple interest in years, with no tax, lives on savings interest. Bare 19% on a ready gain lives on the capital-gains tax page.

This is a paper estimate, not a product offer. There is no monthly compounding, no break fee, and no promo rate that drops after three months. If a real deposit compounds, the number here will sit below life.

Type 10000, 5, 12, and leave 19. Check 500, 95, 405, and 10405. Then try 6 months at 20000 to see 324 net.

How to use the calculator

  1. In Deposit amount, type the principal, for example 10000. The result uses that same currency.
  2. In Annual interest rate (%), type the offer rate, for example 5. Term (months) is the length, for example 12.
  3. Leave Interest tax (%) at 19, or type 0 if you want the gain before withholding.
  4. Click Calculate. At 10000, 5, 12, and 19 you should see 500 gross, 95 tax, 405 net, and 10405 at the end.
  5. If you want interest on interest, open compound interest. There 10000 at 6% for 10 years ends near 17908.

Deposit gross, withholding, and net interest

Simple interest from months, then optional 19%. 10000 at 5% for 12 months is 500 gross, 95 tax, and 405 net.

gross
Interest before tax. 10000 × 5% × 12/12 = 500. Six months at 20000 and 4% drops gross to 400.
net
Interest after tax. 500 − 95 = 405 at 19%. Final amount is 10,405.
tax
Interest tax (%) field, default 19. 19% of 500 is 95. The calculator does not compound during the term.

Usage examples

Example 1

  • 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.

Example 2

  • 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

  • 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%.

Example 4

  • 20,000
  • 4%
  • 12 months
  • tax 19%

Gross 800.00
Net 648.00
Final 20,648.00

How much is left after tax on 20,000 at 4% for 12 months? Gross 800.00, Net 648.00, Final 20,648.00.

Example 5

  • 15,000
  • 5.5%
  • 24 months
  • tax 19%

Gross 1,650.00
Net 1,336.50
Final 16,336.50

How much is left after tax on 15,000 at 5.5% for 24 months? Gross 1,650.00, Net 1,336.50, Final 16,336.50.

Related calculators

19% capital gains / withholding tax

The Belka tax calculator, Poland’s flat tax on investment gains, multiplies the gain you type by the rate.

Use calculator →

Savings interest

Savings interest calculator: There is no compounding and no tax; a term with months and withholding is on the neighbouring page.

Use calculator →

Compound interest

The compound interest calculator multiplies principal by (1 + rate/100) to the power of years.

Use calculator →

All finance calculators

FAQ

What does 10000 at 5% for 12 months leave after 19%?

500 gross, 95 tax, 405 net, final 10405. 10000 × 0.05 × 12/12 = 500, then 19% of 500.

What about 20000 at 4% for 6 months?

400 gross, 76 tax, 324 net, final 20324. Half a year is half the annual rate.

Do 24 months at 6% compound?

No. The calculator computes 5000 × 0.06 × 24/12 = 600 gross, then 114 withholding and 486 net. No compounding.

How is this different from compound interest?

Here you have months and optional tax, with no compounding. There you have principal, rate, and years, compounded once a year, with no withholding.

How is this different from savings interest?

There, gain = principal × rate × years, with no tax. Here the term is in months and you can take off 19%.

What if I type tax 0?

Net matches gross. At 10000, 5%, and 12 months you keep the full 500 of interest.

Is 19% a full investment tax filing?

No. It is one rate on the gain you typed. Losses, exemptions, and a return sit outside the calculator.

How do I take 19% of 500 gain alone?

Open capital-gains tax and type 500 and 19. You get 95 tax, or 190 from a thousand.

Does a blank term mean one year?

No. You must type the months. The 12 placeholder is a hint, not a default fill.

Does the header symbol change 405?

No. 405 stays 405. The symbol only labels the amount.

Knowledge sources

The deposit uses simple interest from the rate you type, then optional withholding. This is not a bank offer.

Page updated in 2026.