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Deposit vs bonds

Calculate Deposit vs bonds instantly with the exact formula and a worked example.

Deposit vs bonds

Amount$
Termyears
Deposit rate%
Bond coupon%
Bond price, % of par%
Broker fee%
Income tax%
Bond beats deposit by
-7,666.3204$
Coupons not reinvested; bond held to maturityTax-free deposit interest allowance not includedSimplified model, not investment adviceCalculate Deposit vs bonds instantly with the exact formula and a worked example.
Deposit income after tax
45 089$
Bond income after tax
37 423$
Bond yield to maturity (approx.)
13.98%
Verdict
Deposit is better

More about: Deposit vs bonds

What it calculates

The “Deposit vs bonds” calculator computes Bond beats deposit by in $ from 7 parameters: amount ($), period (years), deposit rate (%), bond coupon (%), bond price, % of par (%), broker commission (%), income tax (%).

A handy everyday calculator for daily tasks.

Example calculation

With parameters Amount = 100,000 $, Period = 3 years, Deposit rate = 14 %, Bond coupon = 12 %, Bond price, % of par = 95 %, Broker commission = 0.1 %, Income tax = 13 % the result is -7,666.32 $ (Coupons not reinvested; bond held to maturity).

How to use

  1. Enter amount, period, deposit rate, bond coupon, bond price, % of par, broker commission and income tax — each field above is adjustable with a slider.
  2. Bond beats deposit by ($) is calculated automatically as you type.
  3. Check the worked example below to see the formula applied to real numbers.
  4. Copy the result or bookmark this calculator.

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FAQ

How is Deposit vs bonds calculated?
The Deposit vs bonds calculator computes Bond beats deposit by (in $) from amount, period, deposit rate, bond coupon, bond price, % of par, broker commission, income tax. Enter your values above and the exact formula is applied instantly; a worked example with real numbers is shown below.
Is the Deposit vs bonds calculator free?
Yes. It is completely free, needs no signup, runs entirely in your browser, and sends no data to any server.

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