Deposit calculator
Leave request
The deposit calculator is a convenient tool for evaluating the profitability of your savings. In just a few clicks, you can obtain an accurate calculation of your deposit income without the need for complex manual calculations. Simply select the deposit parameters, and the calculator will account for all necessary details, including taxes. This allows you to plan your finances in advance and see how your capital will grow by the end of the deposit term.
How to use the deposit calculator
The deposit calculator from Agroprosperis Bank allows you to choose a deposit program based on your desired conditions and calculate the income it will generate. It also helps compare the profitability of different programs, enabling you to select the best option.
Specify deposit parameters
First, select the deposit currency, term, and amount. Note that each program has a minimum amount required to open a deposit. If the specified deposit amount is less than the minimum for a particular deposit, it will not be available for calculation.
Choose deposit conditions
Next, you can specify the desired placement conditions, such as the interest payment schedule (monthly, at the end of the term, or capitalization), the possibility of replenishment, and early termination.
If you have a pension certificate, select the corresponding option to automatically include an additional bonus to the rate provided to pensioners under certain programs.
Select a deposit
After entering the data, you will see all available programs that meet your conditions. Choose one or more programs and click the "Calculate" button.
View results
For the selected deposits, the online deposit calculator will instantly calculate the income you will receive after the deposit term ends, both before and after taxes. To learn more about a program, click its name, or use the "Submit Application" button to consult with our manager.
The calculations given in the calculator are approximate and take into account that there are always 365 days in a year and 30.3 days in a month.
The amount of taxes is 23% of the amount of accrued interest, of which 18% is a personal income tax, 5% is a military levy.
Services for which the fee is set in accordance with the bank's tariffs are not mandatory when placing and returning the deposit and interest.
Does the deposit calculator account for taxes?
According to NBU requirements, every bank's website must include a deposit calculator that considers taxes. Therefore, it calculates personal income tax and the military levy. The calculation will show the tax amount, the net income remaining after taxes, and the effective interest rate (the actual rate after taxes and levies).
For more details, read our article Deposit tax from December 2024.
Are interest rates for deposits with capitalization calculated?
With capitalization, accrued interest is added to the deposit balance monthly, increasing the base for subsequent accruals. This is particularly beneficial for long-term deposits. Manual calculations for monthly capitalization can be complex, but our compound interest calculator instantly shows your earnings.
Learn more about capitalization and when it is advantageous in our article What is interest capitalization on a deposit and when is it profitable.
Can the interest rate change during the deposit term?
At Agroprosperis Bank, the interest rates for individual deposits are fixed and do not change throughout the contract term. If your deposit contract includes automatic renewal, the interest rate for the new term will be set according to the rates effective at the time of renewal.
For more details, read our article Deposit extension - what it is and how to use it.
Is the calculated amount final?
The deposit calculator provides an approximate calculation based on the opening date, the number of days in each month, and other contract conditions. However, knowing how to use the deposit calculator can give you a preliminary understanding of deposit profitability and help you choose the program that best suits your needs.
For more information on calculating deposit income, read our article How to calculate the profit from the deposit.
How can I open a deposit at Agroprosperis Bank?
To open a deposit, you can deposit cash at the bank's cashier or transfer funds to your current or card account within five business days of signing the deposit agreement. The funds will be credited to the deposit during operational hours according to the bank's schedule.
If you already have a current or card account at Agroprosperis Bank, you can use the AP Bank online banking system. In just a few clicks, you can open a deposit quickly and conveniently without visiting a branch.
For more details on the deposit opening process and required documents, read our article How to open a deposit? Procedure and required documents.