Deposit Calculator
How a deposit grows with top-ups and capitalization, and what it is worth in today's money.
How we calculate
How a deposit is calculated
The calculation goes month by month. Interest accrues every month on the balance and is added to the deposit at the end of the capitalization period and at the end of the term. Top-ups are made at the end of every month except the last one, and can grow once a year by a percentage you set.
- Nominal rate: for each capitalization period, rate / number of periods per year is accrued.
- The effective rate already includes capitalization: over a year you get exactly the stated percentage.
- No capitalization: simple interest, paid at the end of the term.
Inflation
Inflation can be set as a percentage per year or per month. The result is shown both in nominal terms and in today’s money: the future amount is divided by accumulated inflation. If the rate is below inflation, the deposit loses purchasing power, and the calculator warns you.
Frequently asked questions
What is capitalization of interest?
It means adding accrued interest to the deposit so that further interest is earned on it. The more often interest is capitalized, the higher the result at the same nominal rate.
What is the difference between nominal and effective rates?
The nominal rate ignores capitalization. The effective rate shows the real annual return including capitalization; use it to compare deposits.
How do I include monthly top-ups?
Enter the monthly top-up amount. It is added at the end of every month except the last month of the term. You can increase the top-up once a year by a percentage.
How does inflation affect a deposit?
Inflation reduces the purchasing power of money. The calculator shows the result in nominal terms and in today’s money; if the rate is below inflation, the deposit loses part of its value in today’s money.
How much of a deposit is guaranteed?
The Kazakhstan Deposit Insurance Fund (KDIF) protects the deposits of one depositor in one bank: savings deposits in tenge up to 20,000,000 ₸, other deposits in tenge up to 10,000,000 ₸, foreign-currency deposits up to 5,000,000 ₸. If you have more, you can split it between several banks.
Which rate should I use?
The rate of your deposit, from the contract or the bank’s website. As a reference the calculator uses the National Bank’s base rate (15.75% on 23.10.2026). The default example is Halyk Bank’s “Universal” deposit for 12 months: nominal rate 14.06%, effective rate (AEIR) 15% (rates from 05.11.2026). The Kaspi Cumulative Deposit offered an effective rate of 18% on 02.10.2026. Rates change, so check them on the bank’s website.
Official sources
- KDIF: deposit guarantee
- National Bank of Kazakhstan: base rate
- Kaspi.kz: Cumulative Kaspi Deposit
- Halyk Bank: deposits
- Halyk Bank: deposit rates for individuals from 05.11.2026
- Otbasy Bank: deposits
Data checked on 03.11.2026. The result is an estimate under the current rules, not financial advice.