Evaluate loans, deposits and leasing beyond the headline rate by including taxes, fees, payment frequency and grace periods. Build the schedule, see the effective cost and export to Excel.
Calculate equal-payment, equal-principal or bullet structures with monthly, quarterly or semi-annual payments and grace periods.
| Period | Date | Opening | Interest | BSMV | KKDF | Principal | Payment | Closing |
|---|
See net interest after withholding, maturity value and renewal scenarios rather than the gross rate alone.
| Cycle | Opening | Gross Interest | Withholding | Net Interest | Maturity Amount |
|---|
Evaluate down payment, financing rate, VAT, grace periods and purchase / transfer value together.
| Period | Date | Opening | Finance Charge | Principal | Net Rent | VAT | Incl. VAT | Closing |
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View saved loan, deposit and leasing scenarios in one table. Metrics for different product types are not directly equivalent, so consider the product type when comparing.
| Scenario | Type | Amount | Term | Rate | Effective Metric | Periodic Amount | Total |
|---|
The calculator suggests starting tax assumptions by loan type, but these do not replace the bank contract. Users can override rates. As of 2026, GİB sources list KKDF at 15% for consumer loans, 0% for commercial TRY loans and 1% for commercial FX/gold loans. Deposit withholding varies by term and currency, while leasing VAT depends on the underlying asset.
Notice: Calculations are for information and financial planning. Bank/leasing contracts, product terms and current legislation prevail for final transactions.
