How To Count Interest Deposit To Make Finance Safe And Develop

How to count Bunga Deposito (CamranAy picture)

YOGYAKARTA - As much as you have right now, it should be managed wisely and appropriately. There are many benefits that you can have if you do this, especially if it is done early on. Not only to design your needs or dreams in the future, manage your finances wisely and have the potential to share extra profits for you. That way, you can plan your needs or dreams in the future to be better prepared and planned. Want to know how to count deposit interest rates?

Some of the methods you can go through to manage your finances. One of them is by setting aside some funds for savings or even you can invest part of your funds to earn profits. Investing part of the funds you have are usually chosen by many people because it offers quite competitive profits compared to saving.

You can select various investment options according to your preferences and needs, one of which is deposits. Part of the advantages offered make popular deposits selected as options for investing. One of the advantages that you have from deposits is that interest rates are bigger and competitive compared to savings interest rates. Not only that, deposits also have a fairly low risk. This makes deposits as one of the investments that offers competitive profits but with little risk.

Then, if deposits offer higher and competitive interest rates compared to savings interest rates, how much profit can you have? To respond to this problem, you should first recognize and master what kind of formula and method of calculating deposit interest rates. So that you can estimate the profit that you can have from deposit interest rates. Currently, there are many banking sites or websites around finance that have deposit calculators that can be used. However, you should recognize and clearly master the formula and method of calculating deposit interest rates to make sure. Let's take a look at this post further to find out and master which way to calculate deposit interest rates.

Formula And How To Calculate Deposit Flowers

To find out the range of profits that you have based on deposit interest, you can use 2 methods. The first is to calculate according to the total income you want to have at the end of maturity. On the other hand, the second method is by calculating according to the profit you want to have from interest rates every month. However, when before you start trying to calculate the deposit interest rate, you should first justify the interest rate set by the bank of choice You deposit your funds and the amount of tax that must be paid (if there is).

With this method, you can find out the range of profits that you will have as a whole. Here are the formulas and tips for the calculation:

Formula 1

Main Setoran+(Profit From Interest Deposits' Number Of Deposit Taxes)

Before you start calculating using the formula above, make sure you first calculate the profit from deposit interest rates and the amount of deposit tax that must be paid. To calculate it, you can use the following method:

Profit from Bunga Deposito:

(Basic Deposit x Interest Rate Deposit x Tenor* in the day unit)/365 (day)

The amount of Deposit Tax:

Tax Tariff x Profit From Interest Deposit

Examples of Calculations:

You want to deposit funds of IDR 10,000,000 for a period of 6 months. On the other hand, the deposit interest rate set is 6% with a tax payable discount of 20%.

Until, the first thing that must be done is to calculate the amount of profit from deposit interest rates.

(Basic Deposit x Interest Rate Deposit x Tenor)/365

(IDR 10.000.000 x 6% x 180 days)/365

IDR 108.000.000/365

= IDR 295.890

After that, count the amount of tax deductions that you must bear.

Tax Tariff x Profit From Interest Deposit

20% x IDR 295.890

= IDR 59.178

If the profit from deposit interest and the amount of tax deductions that you must pay have been obtained, then you can start calculating using the initial formula.

Main Setoran + (Profit From Interest Deposits' Number Of Deposit Taxes)

IDR 10,000,000 + (IDR 295,890 IDR 59,178)

IDR 10,000,000 + IDR 236,712

= IDR 10,236,712

So, your total income has been spent for 6 months, which is Rp. 10,236,712.

With this method, you can more detail the range of profits that you will have every month. Here are the formulas and method calculations:

Formula 2

(Defosite Interest Rate x Main Deposit To Deposit x 30 days x 80%)/365 days

As a note, the percentage of 80% above is the percentage of income after deducting the tax percentage that must be borne (100%-20%).

Examples of Calculations:

You want to deposit your funds amounting to Rp. 10,000,000 for a period of 6 months. On the other hand, the deposit interest rate set is 6% with a tax cut that must be borne by 20%. So, the calculation technique using the second formula is as follows:

(Defosite Interest Rate x Main Deposit To Deposit x 30 days x 80%)/365 days

(6% x IDR 10,000,000 x 30 x 80%)/365

14,400,000/365

= IDR 39,452

From the results of the calculations above, the net profit per month that you can have each month is IDR 39,452

If you have mastered how to calculate the profits that you can have either every month or overall, now you can more easily calculate and find out for yourself the potential benefits that you can have according to the funds you want to invest.

However, when before you carry out the calculations with the two formulas above, make sure you recognize with certainty each requirement according to the bank you choose to deposit your funds.

In addition, in our article there is a 'Difference of Bilyet Giro and Cek' so that it is easy for you to understand the terms in banking.

So after knowing how to count deposit interest rates, see other interesting news on VOI.ID, it's time to revolutionize news!