Preview monthly or annual income from any Egyptian savings certificate. Works for fixed-rate and descending structures (Al Qimma, Ibn Misr) alike.
⚠️ Estimates only. Does not model taxes (certificate yields are currently tax-exempt in Egypt) or early-break penalties. Actual figures may differ per bank terms.
At the common 21.5% monthly rate: 500,000 × 0.215 ÷ 12 = ~8,958 EGP/month. At 22.5% annual: ~112,500 EGP paid once per year.
Monthly suits regular-income needs. Annual pays ~0.5-1% more because the bank holds your capital longer between distributions. For pure investing / reinvestment → annual.
Descending certificates (NBE Al Qimma, BM Ibn Misr) pay high yields early (e.g. 27% year 1) that step down (23%, 19%). Best for front-loaded income needs.
No. Egyptian savings certificate interest is currently tax-exempt by law. The income shown in the calculator is post-tax.
Most 3-year certificates allow break after 6 months, with a penalty (1-2% of value). The calculator assumes full-term hold.
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