Türkiye Loan, Deposit and Investment Calculators Added

Hesaplayıcı has five new finance calculators: loan installments, early repayment, deposit interest, the credit card minimum payment and investment return. KKDF, BSMV, deposit withholding and the early repayment fee still follow the rules of 13 September 2026. The minimum-payment threshold has been 100,000 TRY since 1 October 2026. Every result is shown step by step.

What changed

• Loan calculator: the monthly installment, total repayment, interest, KKDF, BSMV and the monthly payment plan. On consumer loans KKDF is 15% (Decision 2010/974) and BSMV is 15% (Presidential Decision 7345).
• Loan early repayment: the remaining principal, the payoff amount and the interest saved. Consumer loans carry no early repayment fee; fixed-rate housing loans carry at most 1% or 2% (Law 6502 art. 27 and 37).
• Deposit interest: gross interest, withholding tax, net interest and the final amount. Since 9 July 2025, TL time deposits pay 17.5% withholding up to 6 months, 15% up to 1 year and 10% over 1 year (Presidential Decision 10041).
• Credit card minimum payment: 20% of the statement balance for a limit of 100,000 TRY or less, 40% above (BDDK Board Decision 11581, 1 October 2026). Decision 10970 of 26 September 2024 set the threshold at 50,000 TRY.
• Investment return: the total return, the annualized return (CAGR) and the profit or loss.

The data

The legal rates come from the Official Gazette, BDDK, the central bank and the Revenue Administration. Every calculator page shows the rule it uses and its source.