Result
Final amount
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This calculation is for informational purposes only and does not replace advice from a qualified professional. Formulas and rates may not fit your exact situation — double-check the figures before making decisions.
How it is calculated
Final amount = deposit amount × (1 + rate ÷ 100 ÷ m)^(m × term in years), where m is the number of capitalizations per year (12, 4, or 1). The more frequent the capitalization, the higher the final amount at the same nominal rate — that's the compounding effect.
Interest earned = final amount − deposit amount.
If the bank doesn't capitalize interest but pays it out separately (to a card or another account), use the simple-interest deposit calculator instead — without capitalization, income accrues linearly over time.