# Deposit calculator: interest and savings growth

> See how your deposit grows: compound interest daily, monthly or yearly, top-ups, tax and the full schedule. A simple savings calculator online.

Home: https://funworks.app/en/ · HTML: https://funworks.app/en/calcie/deposit/

*How much a deposit will grow: with compounding, top-ups and tax, plus a month-by-month schedule.*

## What it calculates

A deposit calculator online with compound interest and monthly top-ups. It shows the final amount, the interest earned, the effective rate, tax on the income and a month-by-month schedule.

Interest is accrued by the actual calendar, day by day, leap years included. You can compare daily, monthly, quarterly and yearly compounding and see how much regular top-ups speed up the growth of a deposit.

- Amount, annual rate, term in months or years
- Compounding: none, daily, monthly, quarterly, yearly
- Monthly top-ups and tax on interest. You enter the tax rate yourself
- Final amount, interest earned, effective rate and a month-by-month schedule

## How to use it

1. Enter the deposit amount and the rate.
2. Set the term and choose the compounding.
3. Add top-ups and tax if you have them.
4. Check the total and open the schedule to see the balance month by month.

## Example

12,345.67 at 7.25% for 6 months, daily compounding → **≈ 12,800 (the exact figure depends on the opening date, since interest follows the calendar)**

## FAQ

**Why does the result differ from my bank's?**

Calcie accrues interest on the actual calendar, day for day. Banks sometimes count differently, so check your agreement.

**Which tax should I enter?**

The one that applies to you. Calcie doesn't know the rules of different countries and never fills anything in itself.

**What is the effective rate?**

It's the rate that accounts for compounding: the annual percentage you actually earn when interest is paid on interest. The more often it compounds, the higher the effective rate for the same nominal rate.

**Does the “Deposit” mode work offline?**

Yes. Calcie does all its math right on your device, so the mode works on a plane, on the subway and out of town. Nothing is sent to any server, and the answer appears instantly.

**Is “Deposit” available on iPad and Mac?**

Yes. On iPad the mode has its own layout with larger fields, and on a Mac with Apple Silicon Calcie runs in its iPad version and works from the keyboard. Your Premium purchase applies on every device signed in with your Apple ID.

**How do I switch to the “Deposit” mode?**

Open the modes menu, the icon at the top left of the calculator's main screen, and choose “Deposit”. Calcie remembers your choice: next time the app opens right in that mode.

Try it right here: https://funworks.app/en/calcie/deposit/#calc · App Store: https://apps.apple.com/app/id6819202153

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FunWorks · https://funworks.app/en/ · support@funworks.app