Fixed Deposit Calculator
Calculate the return on your fixed deposit. Compare terms and interest rates. Online calculator with current 2026 market rates and clear breakdown.
Interest (gross)
€350.00
Final capital (gross)
€10,350.00
Interest (net)
€350.00
Final capital (net)
€10,350.00
Tax calculation
Note: These calculations are for informational purposes only and do not replace professional tax or financial advice. All information without guarantee.
FAQ
Frequently Asked Questions
What is fixed-term deposit (Festgeld)?
Fixed-term deposit locks your money for a specified period (typically 1-60 months) at a guaranteed interest rate. The rate is usually higher than call money but you cannot access the funds before maturity.
What term should I choose for fixed-term deposit?
The optimal term depends on your liquidity needs and interest rate expectations. A ladder strategy (spreading investments across different terms) provides both flexibility and higher average returns.
Are my entered amounts stored anywhere?
No. All calculations happen exclusively in your browser. Your inputs are never sent to our server or stored. You can safely enter sensitive financial data.
Guide
Quick Answer
The fixed deposit calculator computes interest income for a fixed-term deposit with a guaranteed interest rate.
What is the Fixed Deposit Calculator?
The fixed deposit calculator computes interest income for a fixed-term deposit with a guaranteed interest rate.
How does the Fixed Deposit Calculator work?
Enter the deposit amount, interest rate and term. The calculator determines the interest income depending on payment method (annual, at maturity or with compound interest). The net return after flat-rate tax is also shown.
Key Data and Facts
Common terms: 3 months to 10 years. Funds not available during the term. Deposit guarantee: 100,000 euros per customer and bank.
Step-by-Step Guide
How to calculate your fixed-term deposit returns step by step: 1. Set the investment amount: The minimum amount varies depending on the bank (often 1,000-10,000 EUR). 2. Choose the term: Usually 3, 6, 12, 24, 36 or 60 months. Longer terms often offer higher interest, but the money is tied up. 3. Check the interest rate: Compare offers from different banks (2026: about 3.0-3.8 % for 1 year). 4. Note the interest payout: Annually (with compound interest for multi-year investments) or at the end of the term (no compound interest). 5. Calculation with annual payout: Final capital = investment x (1 + interest)^years. With payout at the end: interest = investment x interest x years. 6. Take tax into account: Capital gains tax of 26.375 % on returns above the saver's allowance. Example: 30,000 EUR fixed-term deposit, 3.5 % interest, 3 years, annual interest credit. Year 1: 1,050 EUR. Year 2: 1,086.75 EUR. Year 3: 1,124.79 EUR. Final capital: 33,261.54 EUR. Total interest: 3,261.54 EUR.
Calculation Example
30,000 EUR fixed-term deposit, 3.5% interest, 3 years, annual interest credit. Total interest: 3,261.54 EUR (with compounding). Final capital: 33,261.54 EUR.
Sources · E-E-A-T
Official sources
Calculations are based on applicable German laws and official data:
- Deutsche Bundesbank
- Bundesanstalt für Finanzdienstleistungsaufsicht (BaFin)
- Statistisches Bundesamt (Destatis)
Full methodology at Methodology.
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