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How to calculate the profitability of the deposit

How to calculate the profitability of the deposit

Today, bank deposits are one of the most common ways to save funds.

This situation is explained by the fact that contributions of up to 700 000 insured by the state, so there is no fear of losing their money.

But the profitability of a bank deposit and is not too high.

instructions

1

Many people think that profitability contribution depends on the interest rate onhim. In fact, it wag also features a contribution, including the capitalization of interest, which means the reckoning of interest to the initial deposit amount for a certain period. This operation can be carried out monthly, quarterly or on the day of expiry of the contract on the deposit.

2

When calculating the interest on the deposit capitalization during the term of a complex formula used for calculating interest:
S = P * i * t / T / 100, where
P - the original deposit amount, as well as follow-up based on capitalization,
i - the interest rate on the deposit,
t - number of calendar days, after which the capitalization,
T - number of days in the year (365 or 366).

3

For example, if the amount of the contribution of 200 000 rubles., The interest rate of 14% and monthly capitalization of interest for the first month we get S = 000h14h31 200/365/100 = 2378.08 rubles. The resulting amount of interest we add to the original size of the contribution 202 378.08 rubles. On her next month will be the same way accrue: S = 202 378,08h14h31 / 365/100 = 2406, 36 rubles.

4

When calculating interest on a quarterlycapitalization applied the same calculation, only the value of t is not equal to the number of days in the month, and the number of days in the quarter: S = 200 000h14h90 / 365/100 = 6904.10 rubles.

5

When calculating the interest on the deposit at the end of the term is used simple interest formula:
S = P * i * t î / T / 100, where
P - the original deposit amount,
i - the interest rate on the deposit,
That is - the term of the deposit,
T - number of days in the year (365 or 366).

6

In this case, the amount of interest due for possession of cash in the bank will be: S = 200 000h14h365 / 365/100 = 28 000 rubles, provided that the contribution for the year opened..

7

However, be aware that the interest on deposits -It is the income which is taxed. But it is not all income is subject to taxation. If you put money in deposit, the interest rate that does not exceed the current refinancing rate of the Central Bank, by 5 percentage points, it will not have to pay tax. Otherwise profitability of the deposit will be less because you will have to pay tax on the difference between the rate on the deposit and refinancing rate increased by 5 percentage points.

8

For example, the deposit amount is 100 000 rubles. The current refinancing rate of 10%. The interest rate on the deposit of 16%. Then, the maximum rate that is not subject to tax, 15%. Consequently, the tax base will be 100 000h (16% -15%) = 1000 rubles. With this amount you will keep with tax, the amount of which is 35%. In our example, 350 rubles. This fact should be taken into consideration when you select the deposits with high interest rates.

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