A BIGGER PICTURE FOR NEW ZEALAND
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FINANCIAL TOOLS / Investing

Term deposit

Estimate interest at maturity and the effect of an assumed withholding-tax deduction.

Make it your own

Start with an example, then change any value. Enter 0 for none; a blank field cannot be calculated. All money amounts are NZD.

Your entries stay in this calculator. They are not saved or sent anywhere.

Your estimate

Estimated amount at maturity

$20,536.00

Principal plus net interest after 12 months, with interest paid once at maturity and 33% assumed RWT deducted.

Gross interest
$800.00
RWT deducted
$264.00
Net interest
$536.00

What this estimate assumes

  • Simple interest is paid once at maturity; it is not reinvested during the term. Time is whole months divided by 12, not a bank-specific daily basis.
  • The entered RWT percentage is deducted from gross interest. The default is illustrative, not a determination of your correct tax rate; confirm your elected rate and eligibility.
  • No fees, early-withdrawal adjustments or inflation are included. This is not a deposit offer or a guarantee of returns.

For information only, not financial advice. These simplified estimates do not consider your full circumstances. Assumed rates are not forecasts or guaranteed returns. Talk to a financial adviser before making financial decisions.

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