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 (brutto)
350,00 €
Final capital (brutto)
10.350,00 €
Interest (netto)
350,00 €
Final capital (netto)
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.
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.
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 Ihre Festgeld-Ertraege step by step: 1. Anlagebetrag festlegen: Der Mindestbetrag variiert je nach Bank (oft 1.000-10.000 EUR). 2. Laufzeit choose: Ueblich 3, 6, 12, 24, 36 oder 60 Monate. Laengere Laufzeiten bieten oft hoehere interest, aber das Geld ist gebunden. 3. interest rate pruefen: compare Sie Angebote verschiedener Banken (2026: ca. 3,0-3,8 % fuer 1 year). 4. Zinsauszahlung beachten: annually (mit Zinseszins bei mehrjaehriger Anlage) oder am Laufzeitende (kein Zinseszins). 5. Berechnung bei jaehrlicher Auszahlung: Endkapital = Anlage x (1 + interest)^Jahre. Bei Auszahlung am Ende: interest = Anlage x interest x Jahre. 6. tax beruecksichtigen: capital gains tax (Abgeltungssteuer) 26,375 % auf Ertraege ueber Sparerpauschbetrag. Beispiel: 30.000 EUR Festgeld, 3,5 % interest, 3 Jahre, jaehrliche Zinsgutschrift. year 1: 1.050 EUR. year 2: 1.086,75 EUR. year 3: 1.124,79 EUR. Endkapital: 33.261,54 EUR. Gesamtzinsen: 3.261,54 EUR.
Calculation Example
30.000 EUR Festgeld, 3,5 % interest, 3 Jahre, jaehrliche Zinsgutschrift. interest total: 3.261,54 EUR (mit Zinseszins). Endkapital: 33.261,54 EUR.
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