How much have I lost by not using a deposit?
The lost-interest calculator shows how much interest you give up by leaving cash on a current account instead of placing it in a deposit or investment. In a few clicks you can see the difference between "zero" return and a chosen interest rate over time. The result is informational. Numbers use European format (e.g. 10.000 for ten thousand, 3,00 for three).
The comparison is always current account vs. deposit vs. ETF. This selection only suggests input values.
Default: highest regular 12-month rate in our data.
ETF alternative (estimate)
An ETF is an investment with volatility and no guaranteed returns.
Result (estimate)
Missed interest (current account vs. deposit) –
Amount with the deposit –
Amount if invested in ETF –
Difference (ETF − deposit) –
Notes and limitations
This calculator is an informational estimate (current account vs. deposit vs. ETF) and does not constitute financial advice.
- The deposit rate depends on the bank, amount, term and promotions, and may change.
- EURIBOR is a reference rate (not necessarily equal to deposit rates) and varies over time.
- ETF returns are not guaranteed; the value of the investment may also fall. The figure is a simplified estimate based on expected return and TER and does not include all costs.
- Taxes and other costs (e.g. tax on interest, capital gains, dividends) are not fully included.
In the Republic of Slovenia, interest is generally taxable when total interest income from cash deposits in a calendar year exceeds €1,000. This calculator is informational. For a precise estimate, check the current tax rules and your individual circumstances.
ETF returns are not guaranteed; the value of an investment may also fall. The ETF figure is a simplified estimate based on expected return and annual costs (TER) and does not consider all costs, taxes, currency risk, dividends, or changes in market conditions. Taxation of ETF returns (e.g. capital gains, dividends) depends on the product and your circumstances; check current Slovenian rules.
Bank deposits (deposits, current account balances, savings books) of an individual investor in banks and savings institutions established in Slovenia are generally guaranteed up to a total of €100,000. In the event of unavailability of deposits or bank insolvency, the deposit guarantee scheme managed by Banka Slovenije provides payout typically within around 7–20 working days. ETF investments do not have such a guarantee and are therefore generally significantly riskier than bank deposits.
ETF returns are not guaranteed; the value of an investment may also fall. The ETF figure is a simplified estimate based on expected return and annual costs (TER) and does not consider all costs, taxes, currency risk, dividends, or changes in market conditions. Taxation of ETF returns (e.g. capital gains, dividends) depends on the product and your circumstances; check current Slovenian rules.
Bank deposits (deposits, current account balances, savings books) of an individual investor in banks and savings institutions established in Slovenia are generally guaranteed up to a total of €100,000. In the event of unavailability of deposits or bank insolvency, the deposit guarantee scheme managed by Banka Slovenije provides payout typically within around 7–20 working days. ETF investments do not have such a guarantee and are therefore generally significantly riskier than bank deposits.
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