Why can't I set the comparison term myself?

Because the issue sets it. What a bond returns is known in advance only if it is held to maturity; if it is sold earlier, the result depends on the price that day, which nobody knows. To compare a deposit for the term you need, pick an issue with a nearby maturity date.

How are deposit interest and coupons taxed?

Differently. Deposits have a tax-free amount of interest per year — it is derived from the highest key rate of the year and shown under the result; tax applies only to the excess. Bonds have no such allowance: tax is withheld from every coupon and, at redemption, from the difference between face value and the purchase price.

Why does the issue's yield here differ from the exchange figure?

The exchange publishes the yield before tax. Both are shown here: before tax, to check against the exchange, and after tax, to compare with the deposit. A before-tax gap of a few hundredths of a percent comes from the day-count convention.

Calculators

Deposit or OFZ: calculator

Which pays more over the same term, a bank deposit or an OFZ issue held to maturity: the after-tax yield and the amount in hand.

Result

The deposit pays more than ОФЗ 26232 by

48,719 ₽

Deposit: in hand

1,160,656 ₽

16.07 % a year after tax

ОФЗ 26232: in hand

1,111,938 ₽

11.32 % a year after tax

Comparison term: until 06/10/2027 (1.0 years)
Deposit interest: 160,755 ₽
Tax on the interest: 98 ₽
Yield to maturity of the issue, before tax: 13.04 %
Coupons over the term: 63,950 ₽
Tax on coupons and redemption: 16,497 ₽
Price of one bond with accrued interest: 940.78 ₽
Bonds bought with the amount: 1,062.9

The issue's coupons are reinvested at the same yield — like compounded deposit interest.

Deposit interest of up to 160,000 ₽ for 2026 is not taxed (rules as of 05/10/2026).

Issue price as of 09/10/2026, 23:50.

Inputs

How it is calculated

The issue sets the comparison term: the bond is held to maturity, and the deposit is opened for the same term rounded to a month. The issue is bought at the last price plus accrued interest; tax is withheld from every coupon, and at redemption the difference between face value and the purchase price is taxed.

Part of the deposit interest is tax-free in each tax year; above it your rate applies. A bond's price moves before maturity: selling the issue earlier can return more or less than shown. A deposit within the limit is insured by the state, while OFZ are paid by the Ministry of Finance.

Terms used hereOFZ federal bonds Yield to maturity Accrued interest Coupon income tax Key rate

How to use it

Enter the amount and the deposit rate
The amount you place and the deposit rate in percent a year. Say whether interest is compounded monthly or paid at the end of the term.
Pick an OFZ issue
The list holds fixed-coupon issues with a price from the platform's data. The issue's maturity date sets the comparison term.
Compare the outcome
The amount in hand and the after-tax yield for both sides are next to the form.

Questions

Why can't I set the comparison term myself?: Because the issue sets it. What a bond returns is known in advance only if it is held to maturity; if it is sold earlier, the result depends on the price that day, which nobody knows. To compare a deposit for the term you need, pick an issue with a nearby maturity date.
How are deposit interest and coupons taxed?: Differently. Deposits have a tax-free amount of interest per year — it is derived from the highest key rate of the year and shown under the result; tax applies only to the excess. Bonds have no such allowance: tax is withheld from every coupon and, at redemption, from the difference between face value and the purchase price.
Why does the issue's yield here differ from the exchange figure?: The exchange publishes the yield before tax. Both are shown here: before tax, to check against the exchange, and after tax, to compare with the deposit. A before-tax gap of a few hundredths of a percent comes from the day-count convention.

What this calculation does not mean

This is a comparison under the conditions set in the form, not a forecast and not personal advice. A bond's yield is known in advance only if it is held to maturity: until then its price moves, and selling early can return more or less. A deposit rate holds for the term of the agreement, and interest is usually lost on early withdrawal. Broker and exchange fees are not included. Tax follows the rules whose check date is shown under the result.