Online Deposit Calculator
Calculate deposit yield with capitalization and top-ups. Compare bank offers.
Deposit Parameters
Deposit Yield Calculation
Calculate deposit interest online
The deposit calculator lets you estimate your return before opening an account. Enter the amount, term, and interest rate to see how much you'll earn.
Use our online calculator to compare deposits with and without capitalization, with top-ups, and with different payment frequencies.
After calculation you can immediately browse current bank offers and choose the most profitable deposit.
How to calculate the effective deposit rate?
Comparing two deposits is tricky when one has capitalization and the other doesn't. The effective rate calculation shows the actual yield accounting for compound interest.
Formula: E = (((1+(P/(C×100)))^(C×t))−1)×(100/t), where P = nominal rate, C = capitalizations per year, t = term in years. Our calculator computes it automatically.
How to calculate simple deposit interest?
Simple interest means the yield is either paid at maturity or transferred to a separate account without compounding. Formula: V = (S × P × t) / (D × 100).
Example: 1,000,000 KZT at 16% for 3 months (92 days). Income = (1,000,000 × 16 × 92) / (365 × 100) = 40,329 KZT. With capitalization the result is higher.
How is deposit interest accrued?
Interest starts accruing the day after the deposit is opened. It may be paid monthly, quarterly, or at maturity — or added to the deposit balance (capitalization).