Overnight Deposit Calculator
Calculate the interest on your overnight deposit. With current interest rate and compound interest effect. Free with amortization schedule, interest.
Interest earnings (brutto)
350,00 €
Interest earnings (netto)
350,00 €
Final capital
10.350,00 €
Details
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 a call money (Tagesgeld) account?
A call money account is a savings account with variable interest rates where your money remains accessible at all times. It is ideal for an emergency fund as deposits up to 100,000 euros are protected by deposit insurance.
How safe is a call money account?
Call money accounts at banks in the EU are protected by statutory deposit insurance up to 100,000 euros per depositor per bank. German banks often offer additional protection through voluntary schemes.
What is the Overnight Deposit Calculator?
The overnight deposit calculator computes interest income on call money accounts. Funds remain available daily and interest is typically credited monthly or quarterly.
How does the Overnight Deposit Calculator work?
Enter the deposit amount and interest rate. The calculator computes annual interest income, optionally after flat-rate tax. For promotional rates with a limited bonus, the blended rate is calculated.
Key Data and Facts
Deposit guarantee: 100,000 euros per customer and bank (EU-wide). Variable rates, no notice period. Flat-rate tax applies to income above the saver lump sum.
Step-by-Step Guide
How to calculate Ihre Tagesgeld-interest step by step: 1. Anlagebetrag enter: Der Betrag auf Ihrem Tagesgeldkonto. 2. interest rate angeben: Aktueller Tagesgeldzins (2026: ca. 2,5-3,5 %). Neukundenangebote bieten oft hoehere interest fuer begrenzte Zeit. 3. Anlagedauer festlegen: Da der interest rate variabel ist, koennen Sie verschiedene Zeitraeume simulieren. 4. Zinsberechnung: interest = Anlagebetrag x interest rate x days / 365. Bei monatlicher oder vierteljaehrlicher Gutschrift entsteht ein leichter Zinseszinseffekt. 5. taxes abziehen: Ertraege ueber dem Sparerpauschbetrag (1.000 EUR) unterliegen 26,375 % capital gains tax (Abgeltungssteuer). Freistellungsauftrag bei der Bank einrichten. Beispiel: 25.000 EUR Tagesgeld, 3,0 % interest rate, 1 year. Jahreszinsen gross: 25.000 x 0,03 = 750 EUR. Da unter Sparerpauschbetrag (1.000 EUR): keine tax bei Freistellungsauftrag. net-Ertrag: 750 EUR. Bei 50.000 EUR: interest 1.500 EUR, steuerpflichtig 500 EUR, tax ca. 132 EUR, net: 1.368 EUR.
Calculation Example
25.000 EUR Tagesgeld, 3,0 % interest, 1 year. gross-interest: 750 EUR. Mit Freistellungsauftrag (unter 1.000 EUR Pauschbetrag): keine tax. net-Ertrag: 750 EUR.
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