Digital Bank Interest Calculator

Not sure which digital bank gives you the best return on your savings? This Digital Bank Interest Calculator estimates how much interest you could earn in a year based on your deposit amount. Compare savings accounts and time deposit products from GoTyme, MariBank, Tonik, UNO Digital Bank, CIMB, Komo, and BanKo in one place.

If you want a deeper discussion about each of the digital products, read our comprehensive digital bank savings interest rates comparison guide.

Digital Bank Interest Calculator (2026)

Enter your savings amount to estimate your annual interest across different digital bank products.

Savings Amount (PHP)

Bank	Product	Rate	Estimated Annual Interest

*Estimates only. Gross interest before 20% withholding tax. Products with varying rates display a range. Actual earnings may differ depending on promotions, tenor, daily balance, or account conditions.

How to Use This Calculator

Enter the amount you plan to save.
The calculator automatically estimates your annual gross interest for each eligible product.
Products with tiered or promotional rates display an interest range to reflect the possible earnings.
Compare the results together with each bank’s requirements, such as minimum balance, lock-in period, or promotional conditions, before deciding where to deposit your money.

Conclusion

A higher advertised interest rate doesn’t always mean you’ll earn more. Some digital banks require a minimum balance, specific savings products, or fixed-term deposits to unlock their best rates. Use this calculator as a starting point to compare your estimated earnings, then review each bank’s latest terms and conditions before opening an account. Since digital bank rates can change throughout the year, it’s also a good idea to check the latest published rates before making your final decision.