Set the inputs
Enter the deposit balance, annual rate and start/end dates rather than approximating calendar dates as months.
Deposit interest
Estimate deposit interest using calendar dates and credit events, with explicit withholding assumptions.
Calculation result
Adjust the example inputs, then calculate to see your result.
Interest accrues for actual days, rounds to two decimals on each credit date, then scenario withholding rounds separately, half up. Only net interest is reinvested when selected. No tiered rates, transactions or bank-specific rules.
How to use this calculator
Check the terms
Match the day-count convention, interest-credit schedule and withholding assumption to the account being modeled.
Read the result
Read gross interest, tax withheld, net interest and credit dates together, using a consistent comparison basis.
A worked example
Illustrative calculation
100,000 THB at 1% from 1 January 2025 to 1 January 2026 on Actual/365 earns 1,000 THB before withholding.
Compare a second scenario
Keep balance and rate fixed and change the end date to compare daily accrual. Across accounts, also check day-count and credit schedules.
Common questions
Where does my information go?
Calculations run in your browser. Financial inputs are neither saved locally nor sent to analytics. Reloading restores the initial values.
What are this model’s limitations?
Tax exemptions and actual deposit rates are not determined. Promotional tier rates must be checked against the account’s own rules.