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Final Amount
16 651.05
Earned Interest
+651.05
Calculate your savings growth with compound interest, taxes, and inflation.
Final Amount
16 651
Earned Interest
+651
Real Value (adjusted for inflation)
16 325
Total Contributions of
16 000
Tax Amount
-0
Amortization Schedule
Month / Principal / Interest / Balance
| Month | Principal | Interest | Balance |
|---|---|---|---|
| 1 | 10 500 | +42 | 10 542 |
| 2 | 11 000 | +86 | 11 086 |
| 3 | 11 500 | +132 | 11 632 |
| 4 | 12 000 | +180 | 12 180 |
| 5 | 12 500 | +231 | 12 731 |
| 6 | 13 000 | +284 | 13 284 |
| 7 | 13 500 | +339 | 13 839 |
| 8 | 14 000 | +397 | 14 397 |
| 9 | 14 500 | +457 | 14 957 |
| 10 | 15 000 | +519 | 15 519 |
| 11 | 15 500 | +584 | 16 084 |
| 12 | 16 000 | +651 | 16 651 |
Our 2026 Deposit Calculator is a professional financial tool designed to project the growth of your savings. It factors in compound interest (capitalization), tax rates (like the 19% Belka tax in Poland or capital gains tax), and inflation to show your real return on investment (ROI). Perfect for long-term financial planning and comparing bank offers.
Compound interest is the interest on a loan or deposit calculated based on both the initial principal and the accumulated interest from previous periods.
Most countries apply a capital gains tax on interest earned. Our calculator allows you to input this rate to see your actual net profit after all deductions.
It determines how often interest is added to your balance. More frequent (e.g. monthly) capitalization results in higher returns due to the compound interest effect.