Enter the amount, a sample rate and the term in days, months or years. You will see the gross gain, the net gain after withholdings and the final amount.
The preloaded values are an example: replace them with your own figures.
Estimated net return
With these figures, if you invest $5.000,00 for 360 days at a sample rate of 6.00% a year (simple interest), at the end you would have $5.295,89.
Same amount and rate, different terms
| Time frame | Gross | Net | Final amount |
|---|---|---|---|
| 30 days | $24,66 | $24,66 | $5.024,66 |
| 60 days | $49,32 | $49,32 | $5.049,32 |
| 90 days | $73,97 | $73,97 | $5.073,97 |
| 180 days | $147,95 | $147,95 | $5.147,95 |
| 360 days | $295,89 | $295,89 | $5.295,89 |
| 720 days | $591,78 | $591,78 | $5.591,78 |
Results are for reference only and are not actual figures. Values depend on the country, the financial institution, taxes and current laws, and must be validated with an authorized financial institution. Banco.guru is an educational guide to what can be achieved; it does not offer products or personalized financial advice.
Tips for using this result
- Compare offers on the same basis: annual rate and the same term.
- Ask whether the rate is nominal or effective and how interest is paid.
- Check whether there is tax withholding on interest in your country.
- To see whether you beat inflation, use the real return calculator.
What is an investment return?
It is the gain you earn on the money invested over a period. In fixed-rate products such as a fixed-term deposit, the return is known in advance; in variable-income investments, it is not. This calculator is designed for known rates: it helps you turn an annual rate into a concrete amount of money.
Simple or compound interest
Many fixed-term deposits pay simple interest at maturity: gain = amount × rate × (days ÷ 365). If interest is reinvested periodically, compound interestapplies. The tool supports both so you can compare. Some institutions use 360-day years, so your official result may vary slightly.
Gross vs. net
The gross return is before taxes; the net is what you actually receive. In several countries a withholding is applied to interest or it must be declared as income. Since the rules vary by country and product, you fill in the withholding field yourself using the official information for your case.
How to compare options
- Always use the annual rate and the same term.
- Consider liquidity: can you withdraw early? With what penalty?
- Check safety: an institution authorized by the regulator and deposit insurance coverage, if applicable.
- Look at the real return, after inflation.
Frequently asked questions
How do I calculate interest on a fixed-term deposit?
With simple interest: amount × annual rate × days ÷ 365 (or 360, depending on the institution). The calculator does it for you and deducts the withholding you enter.
What is the difference between gross and net return?
Gross is before taxes and charges; net is what you receive after withholdings or taxes.
What is the effective annual return?
It is the equivalent annual rate that accounts for the effect of the term and compounding, useful for comparing products with different terms.
Does the calculator work for stocks or funds?
Only as a hypothetical scenario. In variable-income investments the return is not guaranteed and can be negative.
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See all tools →Última revisión: · Información referencial; valida tu caso con una institución financiera.