sidepickDWG NO. SP-2026-13 · REV B
Sheet 12 - Tools · TL-001DWG SP-2026-13

Deposit Yield Calculator.

Gross interest, withholding tax, net per month — and whether the rate clears your country's deposit insurance. Works for banks worldwide: set your currency, tax, and guarantee rules. Runs in your browser, nothing leaves your device.

Your deposit
Local rules
Final tax on deposit interest, if any.
365 is standard in most of Asia; 360 in US money markets.
Per customer, per bank, in your currency.
Leave empty if your insurer sets no rate cap (e.g. FDIC).

Defaults shown are Indonesia's: LPS, Rp2B coverage, TBP 3.75% for rupiah commercial-bank deposits (1 Oct 2026 – 31 Jan 2027). Verify current rules before deciding.

OutputTL-001/B
Gross interest–
Tax–
Net interest–
Net per 30 days–
Net per day–
Effective net rate–
Insurance check

–

Above the guarantee line, diligence replaces insurance: who owns the bank, is it profitable, and where does your money go?

Method
grossprincipal × rate × days ÷ day-count
taxgross × tax rate
netgross − tax
monthlynormalized to 30 days
effective rateannualized from the tenor

Not financial advice. Rates, coverage limits, and tax rules differ by country and change over time — this calculator shows the arithmetic, not a recommendation.

Track every deposit automatically.
Sidepick Ledger logs placements, maturities, and net yield next to your trading P&L — one sheet, no manual math.
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