Sheet 12 - Tools · TL-005DWG SP-2026-17

SBN vs Deposit Comparator.

Same principal, two parking spots — which pays more per month, net? Coupons against deposit interest, taxes against tenors, side by side. Runs in your browser, nothing leaves your device.

Shared

Currency

Principal

Option A — SBN

Government retail bond · coupon paid monthly

Coupon (% p.a.)

Tax on coupon (%)

Tenor (months)

Option B — Deposit

Bank time deposit · interest at maturity

Rate (% p.a.)

Tax on interest (%)

Tenor (days)

Actual / 365 day count.

OutputTL-005/B

A · net / month–

A · net total–

A · gross–

A · tax paid–

B · net / month–

B · net total–

B · gross–

B · tax paid–

Verdict

–

Yield is only half the decision. SBN can be sold on the secondary market (price moves); breaking a deposit early usually forfeits the interest. Match the tenor to when you actually need the cash.

Method

SBN monthlyprincipal × coupon ÷ 12, net of tax

depositprincipal × rate × days ÷ 365, net of tax, monthly figure normalized to 30 days

Defaults reflect Indonesia (SBN coupon tax 10%, deposit interest tax 20%) — adjust to your country's rules. Not financial advice.

Go further — TL-010

Many parking spots, one income: blend up to eight instruments into a single monthly figure.

Portfolio Blender →

Record which one you picked — and why.

Sidepick Ledger logs every allocation decision with its expected yield, so hindsight has receipts.

View Ledger · $19