Use of
- Choose the type of goods. If you place a fixed amount each month, it is a deposit if you place a fixed amount at a time.
- Make a monthly payment (payment) or deposit (payment).
- The period of time (percentage) and the period of time (month).
- Choose the interest calculation method (single/monthly transfer) and the taxation method (General tax 15.4% / tax surcharge 9.5% / non-tax).
- If you press the calculate button, you will see the sum of the original money, tax interest, interest tax, and after-tax receipt.
Principles of Payment and Accounting.
When the annual rate is r, the period is n months, the tax interest is calculated according to the formula below. The deposit is assumed to be paid at the beginning of each month, so the k-third deposit is deposited over a period of months (n−k+1).
| Tagged as | formerly official. |
|---|---|
| Money alone. | Monthly income × r/12 × n(n+1)/2 |
| Payment of wages. | Monthly income × (1+r/12) × (1+r/12)n − 1)) ÷ (r/12) − n) |
| Payment by single. | Deposit × r × n/12 |
| Monetary Monthly | Deposit × ((1+r/12)n − 1) |
The value of the interest tax deducted from the pre-tax interest is the post-tax interest, and if you add the sum of the primary money here, it is the expiration amount. The ordinary rate of interest tax of 15.4% consists of the interest tax of 14% and the local income tax of 1.4% (10% of income tax).
| Thirty ways. | Thirteen | by VIGO |
|---|---|---|
| Generally | 15.4% | Income tax 14% + local income tax 1.4% |
| Taxed | 9.5% | Payment of associate funds. |
| by Viva | 0% | Tagged furniturematthew houserefugees |
For example, if you pay $50,000 per month for 12 months, the total amount of the original money is $6,000,000, the tax interest is $500,000 × 0.04/12 × 78 = $130,000. If you apply the general tax ($15.4%) the tax interest will be $109,980 minus the tax, and the expiration receipt will be $6,109,980.
This calculator is a reference near-value that assumes monthly earnings and monthly unit interest calculations. The actual bank applies the calculation to work on the basis of the earnings date and the unit cut, so there may be a small difference between the expiration amount and the amount of reference.
Knowing good information.
The reason why the interest rate is “less than you think” is because of the average deposit period. The first monthly deposit of the 12-month deposit is paid for 12 months, but the last monthly deposit is only paid for 1 month. The average deposit period of the total deposit is (12+1)/2 = 6.5 months, which is half of the period and the total deposit rate is about half of the indicated rate. This is because 4% of the annual 12-month deposit is not 4% of the 600,000,000,000,000,000,000,000,000,000,000,000,000,000,000,000,000,000,000,000,000,000,000,000,000,000,000,000,000,000,000.
The difference between the interest rate and the benefit rate is "the interest rate is the interest rate". The interest rate is always the interest rate, the monthly interest rate is the monthly interest rate, the monthly interest rate is the monthly interest rate and the monthly interest rate is the monthly interest rate. In the above example (monthly 50,000,000,000,000,000,000,000,000,000,000,000,000,000,000,000,000,000,000,000,000,000,000,000,000,000,000,000,000,000,000,000,000,000,000,000,000,000,000,000,000,000,000,000,000,000,000,000,000,000,000,000,000,000,000,000,000,000,000,000,000,000,000,000,000,000,000,000,000,000,000,000,000,000,000,000,000,000,000,000,000,000,000,000,000,000,000,000,000,000,000,000,000,000,000,000,000,000,000,000,000,000,000,000,000,000,000,000,000,000,000,000,000,000,000,000,000,000,000,000,000,000,000,000,000,000
If you already have money at the same rate of interest, the deposit is more interest than the fixed amount. The deposit is because the entire amount is deposited from the beginning to the end. However, banks usually apply a higher indicated rate to the fixed amount, so this calculator makes it better to compare the post-tax interest in both cases directly and decide. Please also make sure that only the basic rate applies if you do not fulfill the preferential interest requirement (exemption, card actual, etc.).
Frequently asked questions.
Why is the interest rate far less than the advertising rate?
This is because the deposit rate applies to the ‘period for which each deposit has been deposited’. The first month deposit receives 12 months interest, but the last month deposit only receives 1 month interest. The average deposit time of the total deposit is about half, so the physical return rate is half of the indicated rate (specific age rate × (n+1)/24). Here, if the interest income tax drops to 15.4%, the error rate is further reduced.
How is the 15.4% interest rate made up?
Interest income tax 14% is a value plus 1.4% local income tax (10% of income tax). Common example interest is generally collected from the source, taxable goods are 9.5% and non-taxable goods are 0% applied. In this calculator you can choose your taxation method to compare post-tax interest.
What is the difference between moon and moon?
For example, if the rate of interest is short and the rate of interest is low, the difference is not great (monthly 50,000,000; annual 4%; 12 months, the difference is about 1,600,000), the longer the period, the greater the benefit effect. The longer the long-term savings, the more profitable the goods.
The outcome of the calculation is a little different from the outcome of the bank, but why?
This calculator is a reference near value that assumes monthly earnings and monthly unit interest calculations. The actual bank applies the calculations to work on the date of earnings, unit processing, and commodity-specific interest payment methods (early payment and monthly payment methods) so that the amount can vary from thousands to hundreds of thousands.