Tools
Deposit calculator
The deposit calculator computes interest and the final amount for a fixed-term deposit, based on the contribution, interest rate and term. Quickly check what you earn at different terms and rates. The result is informational. Numbers use European format (e.g. 10.000 for ten thousand, 3,00 for three).
Deposit interest result
Notes and limitations
The displayed rates are from banks' regular offers (this calculator does not include promotional/special offers by default). Where a bank pays a higher rate for signing through its online or mobile bank, we use that rate. Conditions may change and may differ from the bank's actual offer.
If you see -, the bank has no matching offer for the chosen term (or amount).
Why this calculator
Why use the deposit calculator?
See net interest
The calculator shows gross interest and what you keep after tax on interest, so you know what you will actually get.
Compare terms
Quickly check whether a short or long term pays off better and what a larger amount brings.
Find a better bank
You can compare the result right away with current bank offers in the deposit comparison.
How it is calculated
How is deposit interest calculated?
Interest depends on the amount, the interest rate and the term. For terms of up to a year the sum is simple: amount × annual rate × fraction of the year. For longer terms the calculator adds the interest to the principal every year, so the following year you also earn interest on interest already credited.
Tax: in Slovenia, deposit interest of up to €1,000 a year is tax-free. You pay 25% tax on interest above that, which the calculator deducts to show the net amount. For terms longer than a year the calculator applies the limit to each year separately, as it assumes interest is credited yearly. If the bank pays all interest only at maturity, it all counts towards that year and the tax can be higher.
Example: a 12-month deposit at 2.5%
| Amount | Gross interest | Tax | Net interest |
|---|---|---|---|
| €10,000 | €250 | €0 | €250 |
| €50,000 | €1,250 | €62.50 | €1,187.50 |
For €50,000 only the €250 of interest above the €1,000 limit is taxed. Which bank pays the most for your amount and term is in the deposit comparison, and how deposits are protected is covered in the article on the deposit guarantee. If you would rather not lock the money away, compare savings-account rates in the article on neobanks in Slovenia.
Frequently asked questions
Frequently asked questions about the deposit calculator 5
How does the deposit calculator compute interest?
Are the results binding for the bank?
How is the tax on interest applied?
What if a bank has no offer for the chosen term or amount?
Does the calculator include promotional / special offers?
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