Deposit Calculator

Estimate your deposit income: interest, capitalization, monthly top-ups, taxes, and a detailed schedule. Supports monthly and daily (365) accrual.

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Enter details

Finance

Deposit amount

Base currency: ₴ (UAH). Schedule conversion uses NBU rates.

Annual rate

Term

In months.

Interest accrual

Capitalization

Monthly top-up (optional)

Added at the start of each month starting from month 2.

Taxes

Tax rate, % (if “Custom”)

Default is 19.5%.

Start date

Used for schedule dates.

Result

CalcCore

Enter amount, rate, and term.

Schedule (monthly) (open)

Currency:

#	Date	Top-up (₴)	Interest (₴)	Tax (₴)	Net (₴)	Balance (₴)

How does the deposit calculator work?

The CalcCore deposit calculator helps you estimate how much you can earn from a deposit over a chosen period. It calculates gross interest, taxes, net income, and shows the final balance together with a monthly schedule.

Enter the deposit amount, annual rate, and term in months. Optionally, enable capitalization, set a monthly top-up, and choose interest accrual: monthly or daily (365).

Capitalization and top-ups

Capitalization increases the interest base: interest is added to the principal, so future interest is calculated on a larger amount.
Top-ups increase the deposit over time — which can boost total interest (especially with capitalization).

Taxes: standard or custom

By default, the calculator uses a 19.5% tax rate (18% PIT + 1.5% levy). You can also ignore taxes or set a custom rate.

Schedule currency and NBU rates

Calculations are performed in UAH (₴), but the schedule can be displayed in USD or EUR. Conversion uses NBU exchange rates shown in the top badge.

Frequently asked questions

What’s the difference between “monthly” and “daily (365)”?

Monthly means interest is calculated once per month based on the current balance. Daily (365) applies interest proportionally to the number of days in each month (a simplified model using 365 days/year).

How does capitalization work here?

When capitalization is enabled, net interest (after tax) is added to the balance at the end of each period, so future interest is calculated on a larger principal.

When are monthly top-ups applied?

Top-ups are added at the start of each month starting from month 2, matching a typical recurring contribution scenario.

Why can results differ from a bank’s calculation?

Banks may use different day-count conventions (360/365), rounding rules, exact accrual/payout dates, and product-specific conditions. This calculator provides a mathematically consistent estimate based on your inputs.