Example 1
- Capital: 10,000
- Rate: 5%
- Years: 3
Interest 1,500
Final 11,500
Simple 5% × 3 years = 15% of capital.
Savings interest calculator
The savings interest calculator uses simple interest: principal times rate times years. 10000 at 5% for 3 years is 1500 of gain and 11500 at the end. There is no compounding and no tax; a term with months and withholding is on the neighbouring page.
Gain = principal × rate × years. 10000, 5%, and 3 years yield 1500. Compounding is on compound interest.
Result
Capital, Annual interest rate (%) and Years. The result shows up here.
How results are calculated
Savings interest on this page is simple: gain = principal × (rate/100) × years, final = principal + gain. Interest does not join the base. At 5% for 3 years the gain is exactly 15% of principal. Belka tax, Polish capital-gains withholding, is not taken off here.
10000, 5%, and 3 years yield 1500 and 11500 at the end. 25000 at 4% for 1 year is exactly 1000 and 26000. 5000 at 6% for 5 years again yields 1500, because 5 × 6% = 30% of 5000. That same 1500 would be only a slice of the 7908 on the 10-year 6% compound card.
Type Capital, Annual interest rate (%), and Years. The 10000, 5, and 3 placeholders are the first example. Click Calculate and read gain and the final amount. Blank years do not insert a 3.
A term deposit uses months and can take off 19%: 10000, 5%, and 12 months is 500 gross and 405 net. Compound interest lifts 10000 at 6% for 10 years to about 17908. This calculator stays with three numbers and no tax.
A flat rate for 3 years is a classroom assumption. A promo that drops after a quarter, and 19% on the gain, will move the balance. 1500 is not an account offer.
Type 10000, 5, and 3. Check 1500 and 11500. Then try 25000, 4, and 1 to see exactly 1000.
How to use the calculator
- In Capital, type the start, for example 10000.
- In Annual interest rate (%), type the rate, for example 5. In Years, type the horizon, for example 3.
- Click Calculate. At 10000, 5, and 3, gain should be 1500 and the final 11500.
- Compare with term deposit if the term is in months and you want 19% off the interest.
- If interest should join principal, open compound interest. There 10000, 6, and 10 end near 17908.
Simple savings interest, no compounding
Gain = principal × rate × years. 10000 at 5% for 3 years is 1500 of gain and 11500 at the end.
- Capital
- The starting field. 10000 × 5% × 3 = 1500. 25000 × 4% × 1 = 1000.
- Interest
- Simple gain, not compound. 5% for 3 years is 15% of capital. 5000 at 6% for 5 years is again 1500, with no compounding.
Usage examples
Example 2
- Capital: 25,000
- Rate: 4%
- Years: 1
Interest 1,000
Final 26,000
One year of simple interest - an easy reference point.
Example 3
- Capital: 5,000
- Rate: 6%
- Years: 5
Interest 1,500
Final 6,500
Without compounding - compound interest would earn more at the same rate.
Example 4
- 25,000
- 4%
- 2 years
Interest 2,000.00
Final 27,000.00
How much simple interest on 25,000 at 4% for 2 years? Interest 2,000.00, Final 27,000.00.
Example 5
- 8,000
- 6%
- 5 years
Interest 2,400.00
Final 10,400.00
How much simple interest on 8,000 at 6% for 5 years? Interest 2,400.00, Final 10,400.00.
Related calculators
FAQ
What does 10000 at 5% for 3 years yield?
1500 of gain and 11500 at the end. 10000 × 0.05 × 3 = 1500.
What about 25000 at 4% for 1 year?
1000 of gain and 26000 at the end. Simple interest: 25000 × 0.04 × 1.
What about 5000 at 6% for 5 years?
1500 of gain and 6500 at the end. No compounding in this calculator.
How is this different from a term deposit?
The deposit page has months and optional 19%. Here you have years and no tax. 12 months on a deposit at 10000 and 5% is 500 gross, not 1500.
How is this different from compound interest?
There, interest joins the base once a year. Here 5% × 3 years = 15%, not 1.05^3.
Does 19% Belka tax come off the 1500?
No. Take tax on the Belka page: 1500 × 0.19 = 285, net 1215.
Do blank years mean 3?
No. You must type the horizon. The 3 placeholder is a hint.
Can I type months in the years field?
The field is years. Half a year is 0.5, not 6. Six months is a better fit on the deposit page.
Why does 5000 at 6% for 5 years also yield 1500, like 10000 at 5% for 3?
Because 5000 × 0.06 × 5 = 1500 and 10000 × 0.05 × 3 = 1500. Different principal, different rate, same product.
Does 11500 grow in a year-by-year table?
No. There is one gain for the whole span. A compounding table lives on compound interest.
Knowledge sources
Gain is principal × rate × years. There is no compounding in this calculator.
Page updated in 2026.