← Finance & Assets tools
A term deposit needs a lump sum upfront; installments can fit a monthly cash-flow plan. Tax-free or preferential treatment is not available to everyone, so check the product terms. The same rate can produce different interest depending on deposit timing and calculation method.
FINANCE · SAVINGS
Savings interest calculator
Enter savings terms and compare the after-tax maturity amount.
SAVINGS INTERESTCountry and currency
USD · Changing country changes the currency and tax guidance; you can edit the inputs directly.
United States: interest tax depends on federal/state rates and filing status, so the default is 0%. Enter your marginal rate.
Product type
01
You can type amounts with commas. Tax is calculated as 0 when tax-free is selected.Savings terms
02
Results
Maturity amount
$3,357,131.61Total principal$3,200,000.00
Gross interest+$157,131.61
Tax-$0.00
After-tax interest+$157,131.61
After-tax annualized: 3.27%
After-tax amount by rate
Current terms: 3.2% · 18months| Rate | Gross interest | Tax | Net interest | Maturity amount |
|---|---|---|---|---|
| 2% | $97,372.16 | -$0.00 | +$97,372.16 | $3,297,372.16 |
| 3% | $147,101.19 | -$0.00 | +$147,101.19 | $3,347,101.19 |
| 4% | $197,537.93 | -$0.00 | +$197,537.93 | $3,397,537.93 |
| 5% | $248,691.88 | -$0.00 | +$248,691.88 | $3,448,691.88 |
| 6% | $300,572.61 | -$0.00 | +$300,572.61 | $3,500,572.61 |
Savings interest guide
A term deposit starts with a lump sum, while installment interest depends on when each deposit is made. After-tax figures use the rate you enter.
✦ Tips!
⚠ Cautions
- Rates can change by institution and application date.
- Early withdrawal may use a lower penalty rate than the advertised rate.
- China and the US have large taxpayer and product differences, so no universal tax rate is invented.
STEPS
How to use
- Choose a country and select a term deposit, installment savings or flexible savings.
- Enter the deposit or monthly amount, rate, term, tax and interest method.
- Review the after-tax maturity amount, rate table, tips and cautions.