Sberbank deposit calculator for individuals. persons - online deposit calculation
Sberbank deposits for individuals in 2019 became more attractive due to updated rates. Read on this page to see how favorable interest rates and conditions are offered to the population by the largest bank in Russia today.
In 2019, Sberbank of Russia offers its clients several types of profitable deposits for individuals with capitalization or monthly withdrawal of interest, as well as the ability to replenish or spend part of the invested funds.
1. Deposits like " Save"are intended for those who are ready to invest a large sum for several years and not use this money in order to get maximum income. There is also the opportunity to deposit a large amount into a Sberbank account and live by withdrawing interest.
2. Other Sberbank deposits for individuals, for example, “ Replenish", have the ability to replenish your account and are beneficial for those who intend to save money.
3. And deposits like “ Manage» are designed for those who have little available funds and may need some of their savings at any time. This is convenient, but the interest rate in this case is not high.
Today at Sberbank you can make deposits only in rubles and US dollars. The Bank temporarily does not open new deposits in euros, offering the use of a Savings Account in euros at a rate of 0.01% per annum.
See also the conditions for online deposits of Sberbank and deposits
Sberbank: interest and terms of deposits for individuals
In 2019, Sber updated rates on deposits in rubles and dollars. Read at what percentage you can open Sberbank deposits for individuals today. Compare the conditions to choose the most profitable deposit for you.
1. Sberbank deposit “Save”
You should pay attention to this deposit for individuals if you need to reliably save money and receive a guaranteed stable income. By depositing a large amount in the bank, you can withdraw good interest every month.
(+) Plus: high interest rate.
(-) Minus: there is no possibility of replenishing the account and partially withdrawing money without losing interest.
Conditions
- Duration: from 1 month to 3 years;
- Currency: Rubles / US dollars;
- Replenishment: not provided;
- Partial withdrawal: not provided;
- The accrued interest is added to the deposit amount, increasing income in subsequent periods.
- Interest accrual: monthly withdrawal or capitalization.
Interest rate
Contribution "Save Online"
The terms of this deposit for individuals are similar to the “Save” deposit, only it is opened via the Internet, and the interest rates are higher.
Few? See what the interest rate on bank deposits is today
Contribution "Special Save"
Deposit with increased rates for owners of the Sberbank Premier/Sberbank First service package. Opens for an amount from 700,000 rubles or from 50,000 dollars.
Contribution "Leader Save"
See also the 50 most profitable deposits today.
2. Sberbank deposit “Replenish”
This deposit for individuals will be of interest to those who prefer to save and regularly set aside funds. But there is also the possibility of monthly interest withdrawal.
(+) Plus: it is possible to top up your account.
(-) Minus: there is no possibility of partial withdrawal of money without losing interest.
Conditions
- Duration: from 3 months to 3 years.
- Currency: Rubles / US dollars
- Amount: from 1,000 rubles / 100 US dollars
- Replenishment: provided.
- Partial withdrawal: not provided
- Capitalization: provided.
Interest rate
Contribution "Recharge Online"
The conditions of this deposit for individuals are similar to the “Replenish” deposit, only it is opened via the Internet, and the rates are more profitable.
Contribution "Special Replenish"
Replenishable deposit with increased rates for owners of the Sberbank Premier/Sberbank First service package. Opens for an amount from 700,000 rubles or from 50,000 dollars.
Contribution "Leader Replenish"
This is a premium deposit with increased rates for owners of the Sberbank First service package. Opens for an amount of 5 million rubles, 150,000 dollars or 150,000 euros.
See interest rates on deposits at Raiffeisenbank -
Contribution “Replenish in the name of the child”
This is a replenishable deposit that is opened by an adult (parent or legal representative) for a minor child. Anyone can replenish the deposit, but to withdraw money before the child’s 18th birthday, permission from the guardianship authorities will be required.
From the age of 14, a child will be able to independently replenish the deposit and withdraw accrued interest, and from the age of 18 he will have full access to the money.
Opening a deposit is possible only at the branch. To do this, you will need the passport of the person opening the deposit and the birth certificate of the child in whose name it is issued.
Conditions
- Currency: Rubles / US dollars;
- Amount: from 1,000 rubles / 100 US dollars;
- Duration: from 3 months to 3 years;
- Replenishment: provided.
- Minimum contribution: in cash - from 1,000 rubles / 100 US dollars, by bank transfer - unlimited.
- Partial withdrawal: not provided;
- Capitalization: provided.
Interest rates
Doesn't fit? See deposit rates at Rosselkhozbank -
3. Sberbank deposit “Manage”
This deposit for individuals will provide secure storage of savings with the ability to withdraw part of the funds before the expiration of the deposit without loss of interest.
(+) Plus: it is possible to replenish your account and partially withdraw money without losing interest.
(-) Minus: low interest rate.
Conditions
- Duration: from 3 months to 3 years.
- Currency: Rubles / US dollars
- Amount: from 30,000 rubles / 1000 US dollars
- Replenishment: provided;
- Minimum contribution: in cash - from 1,000 rubles / 100 US dollars, by bank transfer - unlimited.
- Partial withdrawal: provided up to the minimum amount of the minimum balance without loss of accrued interest.
- Capitalization: provided.
Interest rate
Contribution "Manage Online"
The conditions of this Sberbank deposit for individuals are similar to the “Manage” deposit, only it is opened via the Internet, and the interest rates are slightly higher.
Contribution "Special Manage"
A spending deposit with increased rates for owners of the Sberbank Premier/Sberbank First service package. Opens for an amount from 700,000 rubles or from 50,000 dollars.
Contribution "Leader Manage"
This is a premium deposit with increased rates for owners of the Sberbank First service package. Opens for an amount of 5 million rubles, 150,000 dollars or 150,000 euros.
4. Contribution "Pension-plus of Sberbank of Russia"
This is a deposit to receive income for retirement. It is intended for individuals receiving pensions from the Pension Fund of the Russian Federation, non-state pension funds, as well as ministries and departments providing pensions.
Conditions
- Duration: 3 years;
- Amount: from 1 ruble;
- Replenishment: provided;
- Partial withdrawal without loss of interest: provided up to the level of the minimum balance;
- Interest accrual: every 3 months. The accrued interest is added to the deposit amount, increasing income in subsequent periods.
- Capitalization: provided.
Interest rate
3.50% per annum without capitalization (3.55% per annum with capitalization).
Not enough? See the most profitable bank deposits for pensioners
5. Sberbank deposit “Give Life”
This deposit for individuals is charitable. Part of the funds is used to help children with oncological, hematological and other serious diseases. Every 3 months, Sberbank transfers to the Gift of Life charity fund an amount of 0.3% per annum of the deposit amount.
Conditions
- Duration: 1 year
- Currency: Rubles
- Amount: from 10,000 rubles
- Replenishment: not provided
- Partial withdrawal: not provided
- Capitalization: provided.
Interest rate
- 5.65% per annum (5.77% per annum with capitalization)
6. savings account Sberbank of Russia
A savings account for free and confident management of money on a daily basis.
Conditions
- Duration: Indefinitely
- Currency: Rubles / Dollars / Euros / others
- Minimum amount: Unlimited
- Replenishment: Unlimited
- Partial withdrawal: Unlimited
- Interest is accrued: monthly. On the minimum balance kept in the account for a month - at the interest rate that was determined based on its amount. For the difference between the minimum and actual balance - at an interest rate of 0.01% per annum.
Interest rate
- from 1.00 to 1.80 in rubles;
- 0.01 in US dollars,0.01 in Euros, Canadian, Hong Kong and Singapore dollars, Chinese yuan, and pounds sterling.
How to register Sberbank deposits for individuals
Opening a deposit at Sberbank is easy, the main thing is that you have money that can be deposited in the bank!
1. In the office. To make a deposit, just contact any bank branch with money and a passport. Sberbank employees will complete all the necessary paperwork, and all you have to do is sign where required.
2. Online. If you are already a client of Sberbank and use Internet banking, then you can open a deposit without leaving your home. Log in to Internet Banking, select a suitable deposit and click the “Open deposit” button.
Conditions for early termination
In any unforeseen situation, if clients need money before the end of their deposits, they can always get it.
Early termination of deposits “Save”, “Replenish”, “Manage” and “Give Life” carried out under the following conditions:
1. For deposits for a period of up to 6 months (inclusive) - at an interest rate of 0.01% per annum;
2. For deposits for a period exceeding 6 months:
During the first 6 months of the main (extended) term - based on an interest rate of 0.01% per annum;
- after 6 months of the main (extended) term - based on 2/3 of the interest rate established by Sberbank for this type of deposit on the date of opening (extension) of the deposit.
In case of early termination of deposits, interest is recalculated without taking into account monthly capitalization!
The deposit calculator is a useful program that will allow a potential client to calculate the profitability of one or more deposits, compare them and choose the deposit that really suits him.
If you are planning to make a deposit with Sberbank, it is better to make a preliminary calculation on several investment options, compare the data and choose the most advantageous offer.
Deposit amount, rub.
10,000 rub. 50,000 rub. 100,000 rub. 250,000 rub. 500,000 rub. 1.4 million rub.
Deposit term, months
3 months 6 months 12 months
Deposit rate, % per annum
Interest capitalization Interest accrual every period
Interest period
At the end of the term Daily Weekly Monthly on the date of investment Monthly on the last day of the month Monthly on the first day of the month Quarterly on the last day of the quarter Once every six months Once a year At a specified interval
Some kind of mistake
In xxx months you will receive income YYYY rubles
Effective rate r %
If you plan to make Sberbank deposits with additions, withdrawals, and complex interest calculations, it is better to use our version of the Sberbank deposit calculator.
It is quite simple to use, but has advanced capabilities. To make a standard calculation, you need to indicate the basic data of the deposit (amount, term, presence/absence of capitalization, frequency of interest calculation). By clicking the “Calculate contribution” button, you will receive a standard calculation based on the specified parameters.
If you want to add deposits, withdrawals and other important parameters to the calculation, you need to click on the “Detailed and accurate calculation” button.
For convenience, you can download the free “Deposit Calculator” application for Android and use it to calculate deposits of any Russian banks directly on your phone.
Bank deposit calculator for Android
What are the interest rates on deposits in Sberbank?
Sberbank offers its clients a wide range of deposits with different interest rates. In comparison with other banks, they will be uncompetitive, but for many citizens of the Russian Federation, the reliability of Sberbank leaves out other shortcomings. This is especially noticeable against the backdrop of high-profile license revocations and reorganizations of the country's largest banks.
| From | Before | Bid,% |
|---|---|---|
| 30000 | 99999 | 4 |
| 100000 | 399999 | 4.15 |
| 400000 | 699999 | 4.3 |
| 700000 | 1999999 | 4.3 |
| 2000000 | 10000000 | 4.3 |
If we compare Sberbank’s interest rates relative to the terms of placement, it is more profitable to make deposits for a period of 3 months to 1 year. The shortest deposits will have the highest interest rates. If you want to receive deposits with a higher rate at Sberbank, arrange them for short periods with the possibility of extension.
Sberbank deposits for pensioners
Pensioners can open a Pension Plus deposit at Sberbank. They will enjoy more favorable conditions when applying for banking products Replenish and Save with maximum profitability.
This is an excellent pension supplement, because many pensioners open deposits and keep their money there for a long time.
The Sberbank pension contribution is different in that the minimum minimum balance on it is only 1 ruble. The client can constantly replenish the deposit account and withdraw money up to the minimum balance without losing interest.
The advantage of the deposit is a fixed long term, as well as a fixed rate. A pensioner will not have to constantly go to a Sberbank branch to renew his deposit.
Sberbank deposits with a higher rate
The bank's highest-yielding deposit is Save. Clients can apply for this deposit for any period from 1 to 36 months. The most attractive rates await clients who open this deposit for a period of 6-12 months. Registration on the Internet (via Sberbank Online) will bring the client +0.25% to the base rate compared to registration in the office. The deposit has a minimum amount to open. It costs only 1000 rubles and is available even to students.
This deposit does not have the possibility of replenishment or withdrawal. This makes it relevant for those clients who have a certain amount of funds that need to be saved or held somewhere until it is needed.
This deposit is not suitable for those who want to save and save money, because it cannot be replenished.
Is Sberbank included in the DIA?
Sberbank of Russia is a member of the Deposit Insurance Agency. This means that deposits and accounts of individuals and individual entrepreneurs opened with Sberbank are insured by the state for an amount of up to 1.4 million rubles.
In the event of revocation of the license or bankruptcy of Sberbank, DIA will pay each client an insurance compensation of 100% of the deposit amount + interest, if their total amount does not exceed 1.4 million rubles.
How to open a deposit in Sberbank?
To open a deposit, the client needs to apply with a passport to any bank branch and inform the employee about the desire to make a deposit. After choosing a specific investment program, the client will need to deposit money and sign the relevant documents.
To make a deposit through Sberbank Online, the client needs to log in to his personal account and enter the verification code from SMS. In your profile, you need to select the “Deposits and Accounts” - “Opening a Deposit” tab.
On the page that opens, you can study in detail all the deposits and their conditions, and select the most suitable investment program. After making your selection, you need to click the “Continue” button. Next, you need to specify the amount and term, the desired type of interest accrual, and the account for debiting the money. The last step is to click the “Open” button.
Sberbank's deposit calculator is a convenient program for determining the profitability of a deposit. It allows you to almost instantly obtain information about the potential profit on deposits in a particular financial institution.
Advantages of the Sberbank deposit calculator
- the program has high calculation accuracy;
- determining the difference in income depending on the correction of parameters;
- obtaining clear information about how much the profit will be at the end.
You can calculate your deposit in Sberbank for those who want to open a deposit for different periods of time. We suggest using a deposit interest calculator, since this indicator depends on many conditions. Depending on the entered parameters, you can find out which program ensures the safety of savings or you can get the maximum income.
How to select and calculate the deposit of Sberbank calculators online?
The deposit calculator for individuals in 2019 at Sberbank, presented on our website, allows you to study the conditions indicating:
- term;
- first installment;
- possibility of early closure of the deposit;
- capitalization.
To receive information, you need to enter information about the first payment and the due date. When indicating the latter, it is best to indicate the period provided by the financial institution.
Please note that the calculation of the deposit using the Sberbank online calculator may vary depending on the expected amount of contributions. From this it becomes clear how to increase profitability with additional account replenishment. The calculation of the Sberbank deposit is for reference only. More accurate information can be obtained from the financial institution itself.
Sberbank today: current deposits in 2018
What is a bank deposit? This is the placement of funds in order to generate income. Performs three functions:
Protects ;
saves;
accumulates .
The effectiveness of a banking product depends on the offered rate, that is, profit, which is calculated in annual percentages. Deposits are of the following types: ruble, open in foreign currency, consisting of different currencies, with the possibility of replenishment, with capitalization.
Ruble investments are more profitable in terms of profitability than dollar investments. But if there is a need to protect money for several years, it is better to open a multi-currency product. Seasonal promotions may be profitable. Deposits are offered to be opened for a holiday (“New Year”) or at a certain time of the year (“Autumn”). The stakes here are high.
Cash investments are quite simple to process; the client only needs a passport of a citizen of the Russian Federation.
Methods for obtaining information on Sberbank deposit products
The bank can invest money in national and foreign currencies, for different periods, the rate depends on this. You can make a deposit through Sberbank Online.
Which option will be acceptable for you can be found out in different ways:
Get advice from a bank employee;
Use information from advertising brochures;
Find the necessary information on the website;
Use a calculator.
How can a calculator help?
This is a program that helps you choose a profitable investment option. We enter the amount, the period for which the funds will be placed in the bank, and calculate the deposit using a special button. The calculator will help you get information about:
Profit payment period;
Transfer of interest on the deposit;
Possibility of replenishment or withdrawal.
Names of deposits in Sberbank and their conditions
Urgent;
Indefinite;
Deposits for settlements;
Online deposits.
In 2018, three main time deposits are offered: “Save”, “Manage”, “Replenish”. The amount and term determine the rate.
“Save” - allows you to stably store money and receive income. Depositing and withdrawing money from the account is not allowed. A deposit can be opened in rubles by depositing a minimum amount of 10 thousand for a period from 1 month to 3 years.
“Top up” - here it is possible to top up your account, withdrawals are excluded. Placing money is permissible in domestic and foreign currency for a period of up to 3 years, when depositing 10 thousand rubles. The rate will be up to 6% per annum in rubles.
“Manage” - it is possible to securely store funds, make a profit, partial withdrawal of money is allowed, that is, part of the deposit can be used. Such a contribution is possible by making a deposit of 30 thousand rubles for a period from 3 months to 3 years. The interest rate in 2018 is up to 5.41% per annum.
The “Record” deposit makes it possible to increase the interest rate due to the term of the deposit. For a period from 7 months to 1 year - 6.5%, from 1 to 1.5 years - 7% and the maximum rate for one and a half years - 7.15%.
The most urgent is the social project “Gift of Life”, which is based on helping people with cancer. The percentage is high, about 6. Mandatory conditions for opening a deposit: national currency, money must be kept in the account for 1 year, without the ability to replenish and withdraw. Sberbank transfers 0.3% to the account of the Give Life organization.
The deposit on demand of Sberbank of Russia is unlimited. It is possible to increase it by replenishing it and partially use it. If an urgent need for money arises, the client can withdraw the funds by terminating the agreement with the bank. Then the profit will be accrued based on the actual storage period and the rate that was set; if it changed, then each of its values will be taken into account. If the client plans to keep the money in the account for a long time, it is possible to draw up a will or issue a power of attorney.
The “Universal” deposit is one of the most popular. It belongs to the settlement category. It is convenient because the account can be replenished, made non-cash payments, and withdrawn funds. This is a tool for performing many monetary transactions. such as :
Purchase of goods;
Payment of taxes;
Making utility payments.
To open a deposit, you need a passport of a citizen of the Russian Federation and permanent registration. Registration will take a little time. After filling out the form, application, concluding an agreement and depositing money into the account, the owner is issued a savings book.
Online deposits are becoming increasingly popular. To open them, use your personal account within the Sberbank Online service. The deposit program provides a higher interest rate, which in 2018 can reach 8.75%.
A savings certificate is not a deposit in the full sense, but a security. The period for placing funds is from 91 days to 3 years. The deposit is opened upon depositing 10 thousand rubles, the yield is high up to 7.2%. This is higher than the rates of other deposits offered in 2018. It differs in that the funds are not insured. This means that if the bank’s license is revoked, the money will not be returned to the owner. Although, this is unlikely. At the end of the term, interest is paid. Money cannot be withdrawn or replenished.
Sberbank deposits for pensioners in 2018
Pension program "Golden Years"
In 2018, older people are offered a number of banking services on good terms. Let’s focus on the “Pension Plus” deposit, to which a pension can be credited, with its help you can pay for utilities, make other payments, and withdraw cash. Cash investments are issued for three years at an interest rate of 3.5%.
As you can see, in 2018 Sberbank offers a large selection of deposit products for all categories of citizens. The bank's reliability and ease of service make Sberbank deposits attractive to the population.
Sberbank's deposit calculator is a software product with which you can determine which of the available deposit offers can provide you with the most favorable interest rate on your deposit.
If income allows you to make savings, free money should be protected from inflation, as a result of which it gradually depreciates, and, if possible, it should be increased. To do this, you need to choose a bank deposit offer whose interest rates could cover the level of current and projected inflation in the country. So, if you plan to place your funds on a Sberbank deposit, provided that the forecast inflation for 2014 is 5.2%, you should consider offers with an annual interest rate of at least 5.2% - and this is only so that in a year the amount of your funds was equivalent to the current one in commodity terms.
Specify contribution parameters
Deposit calculation result
Interest calculation options
The final amount of interest on a Sberbank deposit can be calculated using a simple formula only in the case of a one-time deposit of the entire amount of funds on a deposit that does not imply periodic capitalization and withdrawal of the amount at the end of the deposit period. If the deposit program involves capitalization, in addition to this, you are going to regularly deposit additional funds into the account, the calculation will be carried out using a more complex formula. In this case, you should use a deposit calculator to calculate the final profit. By setting the frequency of interest calculation and depositing additional amounts on deposit, you can get a calculation taking into account these factors.
Don't forget about taxes
Deposit programs also have calculation nuances, which offer interest rates that exceed the Central Bank refinancing rate by 5 points in rubles or 9 points in foreign currency. Income received from such a deposit will be taxed, as a result, in some cases, deposits with high interest rates will be less profitable than deposits with moderate interest rates.
In general, there are many nuances. It is important not to get confused in the variety of deposit programs and choose the most profitable one. This is exactly why deposit calculators are created. Our Sberbank deposit calculator provides for all parameters without exception that affect the final result, from the type of currency to the frequency of deposit replenishment. Thanks to this, calculations that are as close to reality as possible are possible.
Save and increase your funds, and trust the deposit calculator to select the best options for this. A smart program will do this quickly, accurately and efficiently.