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To calculate the interest on the Deposit will clarify how is the calculation. So, they can be charged at the end of the Deposit period, quarterly or monthly. There are also two types of interest - simple and complex (with capitalization).
When calculating simple interest they with a certain periodicity defined in the contract, is transferred to a separate account and do not join the Deposit amount. To calculate them quite easily. For this initial Deposit amount and multiply by the annual rate and the number of days on which you opened the contribution. Then the resulting amount will be divided by 100 and the number of days in the year (365 or 366). For example, the contribution by the sum of 100 thousand rubles opened for 90 days with a rate of 9.8% per year. The yield on the Deposit will be 2416,4 R. (100*9,8*90/365/100). If the contribution opens for the year you just need the amount of the contribution multiplied by the percentage.
When contribution with the capitalization of accrued interest attached to the Deposit amount within the time prescribed in the contract. This files most often - monthly or quarterly. As a rule, the investor has a choice to make interest, or to withdraw the yield. But in case of capitalization increases the amount of the contribution, respectively, grow and accrue interest. To calculate the amount of the Deposit with interest should the initial amount of the investment multiplied by the annual rate and number of days on which the Bank carries out capitalization and divided by the number of days in a year and 100. For example, investing 100 thousand rubles with the rate of 9.8% with monthly interest capitalization amount of interest for January will be 832,3 R. (100*9,8*31/365). It turns out that in February, interest will accrue on the Deposit amount 100 R. 832.3 the Further calculations are carried out similarly. If you want to calculate the amount of interest on Deposit for a specified period should the initial Deposit amount multiplied by ((1 + annual interest rate*number of days/number of days in a year/100) in-degree (number of interest periods — 1).
If the formula for calculating the return seem unnecessarily complicated, you can always contact a representative of banks to provide you with detailed information. Also on the websites of most banks have a calculator that allows you to automatically calculate the accrued interest based on the specified parameters.
If the percentage of the contribution by more than 5% higher than the refinancing rate of the Central Bank of the Russian Federation, then the profits investors are taxed 35%.
At the same interest rate of deposits with capitalization, provide greater profitability. It should take into account when choosing contribution.