Fin-Plus.Ru - the most accurate deposit calculator

Main advantages of this deposit calculator:

  1. Both interest income and withholded tax are automatically calculated. While tax calculation the actual revision of Russian Tax Code and Central Bank refinancing rate are taken as of income accrual date.
  2. Daily currency rate updates enable auto convertion from foreign currency to russian rubles
  3. 10 different interest accrual methods are supported (with or without compouding)
  4. Fixed and floating interest rate are supported
  5. Option to use working calendar to define bank's days off
  6. Support of prolongation and any number of deposit's additions and partial withdrawals
  7. Checks for user data correction and validity
  8. Depending on tax resident status the right tax rate are automatically chosen
  9. The effective interest rate is calculated and may differ from the nominal rate because of compounding and tax withholding. This rate is useful in a comparison of two or more deposits
  10. Option to download the calculation in MS Excel format

Enter deposit details to calculate the income and the tax:

Deposit amount
Deposit date
Interest rate fixed % per annum
floating (depends on amount)
floating (depends on term)
Term until

days
Interest accrual frequency
interest capitalization
Residence I live in Russia 183 days a year or more that is enough to be considered as a tax resident
Use working calendar If the last deposit term day is non-working then prolongate the deposit until the first workday

If an interest accrual or capitalization day is non-working then:
accrue this day
accrue in advance (on the previous working day)
accrue later (on the following working day)
Deposit additions:
# Addition date Amount
Withdrawals:
Minimun balance amount

# Withdrawal date Amount
Deposit prolongation No prolongation
On maturity deposit principal and accrued interest are added together and then automatically prolongated under the same terms