Deposit Interest Calculator
Calculate bank deposit returns. Find out how much you'll earn on your deposit.
Enter deposit amount
Annual interest rate
For how many months to open deposit
Calculation Formula
With capitalization:
A = D × (1 + r/12)^n
Without capitalization:
I = D × r × n / 12
D — deposit amount, r — annual rate, n — months
Calculation Examples
About Deposit Interest Calculator
The calculator helps calculate bank deposit returns with or without interest capitalization. Find out in advance how much you'll earn on deposit.
Use for comparing bank offers, savings planning, passive income calculation.
Benefits
Capitalization Accounting
Calculate with and without capitalization for comparison
Accurate Forecast
Know exact income amount before opening deposit
Compare Options
Easily compare different deposit terms
FAQ
What is interest capitalization?
Capitalization is adding accrued interest to deposit amount. Next period interest is calculated on increased amount.
What's better — with or without capitalization?
With capitalization is more profitable as interest is calculated on growing deposit amount.
How to calculate deposit interest?
With capitalization: A = D × (1 + r/12)^n. Without: I = D × r × n / 12
Are taxes included?
No, calculator shows income before tax deductions. Deposit income may be taxed in some countries.
How to calculate monthly income?
Divide total income by number of deposit months.