Methodology

Real yield represents the actual purchasing power gain (or loss) of an investment after accounting for all costs that reduce returns: fees, taxes, and inflation.

Step 1: Net Yield (after fees)
Subtract annual fees (TER for funds/ETFs, account fees for savings) from the gross yield.

Step 2: After-Tax Yield
Apply the applicable tax rate on interest income. Tax rates vary by country and product type (e.g., Italy taxes government bonds at 12.5% vs 26% for other income).

Step 3: Real Yield (after inflation)
Subtract the current inflation rate (HICP YoY) to determine the change in purchasing power. A positive real yield means your money grows in real terms; negative means it loses purchasing power despite earning interest.

We use only official, publicly available data from authoritative sources:

Tax rates displayed are standard withholding tax rates on interest income for each country. These are simplified for comparison purposes.

⚠ Important: Actual tax treatment varies significantly based on:

• Individual income brackets and total income
• Product type (government bonds may have preferential rates)
• Residency status and double taxation treaties
• Available deductions and exemptions (e.g., German Sparerpauschbetrag)
• Holding period (some jurisdictions offer long-term benefits)

We provide a tool to adjust tax rates manually in our calculator. Always consult a qualified tax advisor for your specific situation.

• Live data (updated automatically): ECB €STR rate, Eurostat HICP inflation
• Weekly updates: Government bond yields, money market fund rates
• Manual verification (as needed): Bank savings rates, promotional offers, term deposit conditions

Last synchronization timestamp is displayed at the bottom of each page. If you notice outdated information, please report it via our contact page.

Errors Are Possible
Despite our best efforts to ensure accuracy, mistakes can occur. Bank rates change frequently, promotional conditions may expire, and manual data entry is subject to human error. We are not responsible for any financial decisions made based on information displayed on this site.

Not Financial Advice
EuroYields is an educational comparison tool only. Nothing on this website constitutes financial, investment, tax, or legal advice. We are not licensed financial advisors.

No Liability
We accept no liability for losses, damages, or missed opportunities resulting from the use or reliance on information provided on this site. Always verify rates and conditions directly with financial institutions before making decisions.

Third-Party Data
While we source data from official entities (ECB, Eurostat, banks), we do not control these sources and cannot guarantee their accuracy or timeliness.

Product Conditions
Advertised rates often come with conditions: minimum deposits, salary domiciliation, promotional periods, early withdrawal penalties, etc. We strive to note major conditions but cannot list every restriction. Always read the full terms and conditions from the provider.

We believe in full transparency. Our methodology is public, our calculations are verifiable, and we openly acknowledge our limitations.

• All formulas are documented and can be independently verified
• Data sources are cited and publicly accessible
• We provide a calculator so you can test assumptions yourself
• We welcome corrections and feedback via our contact page

Our goal is not perfection, but honesty. If you spot an error or have suggestions, please let us know.