EKP intressimäär (€STR)
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EKP €STR üleöö-intressimäär reaalajas
Turunäitajate laadimine...
ELi inflatsioon (ÜTHI)
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Eurozone HICP YoY Live
Turunäitajate laadimine...
Kohalik inflatsioon
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Spain YoY Live
Turunäitajate laadimine...
Tax Rate
19.0%
Capital Gains Tax (up to €6k)
Intressi- / hoiusetulult
🏆 Best Real Yield: -2.06% — Bono del Estado 10Y📊 0 kokku 26 tooted ületavad inflatsiooni
Mitme allika andmed: Määrad ja hinnangud märgitakse eraldi. Vanad pangapakkumised ei kuulu praeguste parimate tootluste hulka. Metoodika.
Euroopa fikseeritud tulumääraga varade analüüs — Reaalne tootlus pärast makse vs inflatsioon
Pangaintressid viimati üle vaadatud: 2026-07-02. Turuga seotud intressid uuenevad iga päev EKP ametlike andmete põhjal.
Turunäitajate laadimine...
| Asutus | Brutotootlus | Pärast makse | Reaalne tootlus ↓ | Üksikasjad |
|---|---|---|---|---|
| Bd | 3.63% | 2.94% | -2.06% | Võrdlusmäär10-year Spanish government bond, long-term benchmark |
| PS | 3.79% | 2.87% | -2.13% | MudelihinnangTER: 0.25%, passive AAA/AA EUR CLO index tracker. |
| SS | 3.74% | 2.83% | -2.17% | MudelihinnangTER: 0.25%, actively managed AAA EUR CLOs, sub-advised by Blackstone Credit. |
| IE | 3.69% | 2.79% | -2.21% | MudelihinnangTER: 0.25%, AAA-rated EUR CLOs, floating rate, adjusts with ECB rates. |
| IE | 3.69% | 2.79% | -2.21% | MudelihinnangTER: 0.25%, AAA-rated EUR CLOs, accumulating, ISIN: IE000Y2JPPS4 |
| JH | 3.69% | 2.79% | -2.21% | MudelihinnangTER: 0.25%, Janus Henderson EUR AAA CLO UCITS ETF, floating rate, maximum credit rating. |
| UE | 3.69% | 2.76% | -2.24% | MudelihinnangTER: 0.25%, AAA-rated EUR CLO tranches, actively managed by UBS. |
| i€ | 3.64% | 2.75% | -2.25% | MudelihinnangTER: 0.25%, actively managed AAA CLOs by BlackRock. |
| Bd | 3.18% | 2.58% | -2.42% | Mudelihinnang2-year Spanish government bond, fixed rate |
| Ld | 2.95% | 2.39% | -2.61% | MudelihinnangZero-coupon 12-month Spanish Treasury bill, benchmark asset |
| Ld | 2.85% | 2.31% | -2.69% | MudelihinnangZero-coupon 6-month Spanish Treasury bill, sold at discount |
| AP | 2.88% | 2.29% | -2.71% | Kaudne hinnangTER: 0.05%, YTM ~2.45%, ultra-short eurozone government bonds |
| VE | 2.88% | 2.28% | -2.72% | Kaudne hinnangTER: 0.07%, ultra-low cost, passive eurozone sovereign 0-1Y |
| i€ | 2.88% | 2.26% | -2.74% | Kaudne hinnangTER: 0.09%, YTM ~2.45%, eurozone sovereign debt 0-1Y duration |
| i€ | 2.44% | 1.90% | -3.10% | Kaudne hinnangTER: 0.09%, distributing, very short duration bonds |
| XE | 2.44% | 1.90% | -3.10% | Kaudne hinnangTER: 0.10%, tracks €STR, accumulating, liquid daily |
| AS | 2.44% | 1.90% | -3.10% | Kaudne hinnangTER: 0.10%, accumulating, liquid daily |
| AP | 2.44% | 1.90% | -3.10% | Kaudne hinnangTER: 0.10%, distributing, T+1 liquidity |
| HG | 2.44% | 1.90% | -3.10% | Kaudne hinnangTER: 0.10%, AAA-rated MMF, institutional quality |
| JE | 2.44% | 1.89% | -3.11% | Kaudne hinnangTER: 0.11%, government MMF, daily liquidity |
| IE | 2.44% | 1.88% | -3.12% | Kaudne hinnangTER: 0.12%, accumulating, daily liquidity |
| AE | 2.44% | 1.88% | -3.12% | Kaudne hinnangTER: 0.12%, T+1 liquidity |
| HE | 2.44% | 1.87% | -3.13% | Kaudne hinnangTER: 0.13%, T+1 liquidity, institutional |
| BI | 2.44% | 1.85% | -3.15% | Kaudne hinnangTER: 0.15%, institutional money market fund |
| GS | 2.44% | 1.85% | -3.15% | Kaudne hinnangTER: 0.15%, prime MMF, T+1 liquidity, AAA-rated |
| TR | 2.25% | 1.82% | -3.18% | VõrdlusmäärKohe kättesaadav, maksab EKP hoiustamise intressimäära, 100 000 € hoiuste tagatis partnerpanga kohta |
| MS | 4.00% | 3.24% | -1.76% | Vajab kontrolli · Käsitsi kontroll · Kontrollitud 2026-07-021-month term, €1k-€5k only, requires Premium Plan (€7.99/mo), 4.00% TAE |
| BB | 4.00% | 3.24% | -1.76% | Vajab kontrolli · Käsitsi kontroll · Kontrollitud 2026-07-023.93% TIN (4.00% TAE) for 1 month, new clients, Portuguese Deposit Guarantee Fund, April 2026 |
| BB | 3.25% | 2.63% | -2.37% | Vajab kontrolli · Käsitsi kontroll · Kontrollitud 2026-07-023.22% TIN (3.25% TAE) for 6 months, Portuguese Deposit Guarantee Fund, April 2026 |
| DB | 3.00% | 2.43% | -2.57% | Vajab kontrolli · Käsitsi kontroll · Kontrollitud 2026-07-0212-month term, €10k-€300k, bonuses for nómina + card |
| BB | 3.00% | 2.43% | -2.57% | Vajab kontrolli · Käsitsi kontroll · Kontrollitud 2026-07-022.97% TIN (3.00% TAE) for 3 months, Portuguese Deposit Guarantee Fund, April 2026 |
| EB | 2.85% | 2.31% | -2.69% | Vajab kontrolli · Käsitsi kontroll · Kontrollitud 2026-07-0212-month term, €10k min, requires investment product |
| OO | 2.78% | 2.25% | -2.75% | Vajab kontrolli · Käsitsi kontroll · Kontrollitud 2026-07-024-month term, salary €900+ required, else 1.76% |
| XI | 2.90% | 2.25% | -2.75% | Vajab kontrolli · Käsitsi kontrollTER: 0.12%, YTM ~2.90%, eurozone corporate bonds 0-1Y |
| RB | 2.63% | 2.13% | -2.87% | Vajab kontrolli · Käsitsi kontroll · Kontrollitud 2026-07-0236-month term, interests at maturity |
| VB | 2.55% | 2.07% | -2.93% | Vajab kontrolli · Käsitsi kontroll · Kontrollitud 2026-07-0212-month term deposit via Raisin |
| SC | 2.50% | 2.02% | -2.98% | Vajab kontrolli · Käsitsi kontroll · Kontrollitud 2026-07-02Variable 2.50% for all customers since Mar 2026, no plan required |
| T2 | 2.40% | 1.94% | -3.06% | Vajab kontrolli · Käsitsi kontroll · Kontrollitud 2026-07-02UK fintech, investor protection ~€20k, instant access |
| BM | 2.30% | 1.86% | -3.14% | Vajab kontrolli · Käsitsi kontroll · Kontrollitud 2026-07-0212-month term, €30k-€300k, online via AVANTIO |
| BE | 2.26% | 1.83% | -3.17% | Vajab kontrolli · Käsitsi kontroll · Kontrollitud 2026-07-02Weekly compound, higher balances get 2.26%, base 1.51% |
| MD | 2.25% | 1.82% | -3.18% | Vajab kontrolli · Käsitsi kontroll · Kontrollitud 2026-07-023-month term, requires Premium Plan (€7.99/mo), up to 2.25% TAE |
| CD | 2.25% | 1.82% | -3.18% | Vajab kontrolli · Käsitsi kontroll · Kontrollitud 2026-07-0224-month term, €1-€250k, quarterly interest, BNP Paribas group |
| BS | 2.20% | 1.78% | -3.22% | Vajab kontrolli · Käsitsi kontroll · Kontrollitud 2026-07-0212-month term deposit, €10k minimum |
| LE | 2.45% | 1.78% | -3.22% | Vajab kontrolli · Käsitsi kontrollTER: 0.25%, inflation-linked bonds, hedges inflation risk |
| MR | 2.10% | 1.70% | -3.30% | Vajab kontrolli · Käsitsi kontroll · Kontrollitud 2026-07-02Requires Premium Plan (€7.99/mo), up to €70k, instant access |
| CD | 2.10% | 1.70% | -3.30% | Vajab kontrolli · Käsitsi kontroll · Kontrollitud 2026-07-0212-month term, €1-€250k, quarterly interest, BNP Paribas group |
| MS | 2.05% | 1.66% | -3.34% | Vajab kontrolli · Käsitsi kontroll · Kontrollitud 2026-07-021-month term, €10k-€100k, no conditions, Q2 2026: 2.05% TAE |
| NS | 2.00% | 1.62% | -3.38% | Vajab kontrolli · Käsitsi kontroll · Kontrollitud 2026-07-02Metal plan only (€16.90/mo), instant access |
| NM | 2.00% | 1.62% | -3.38% | Vajab kontrolli · Käsitsi kontroll · Kontrollitud 2026-07-02Requires Metal plan (€16.90/mo), instant access, ECB-linked |
| LC | 1.91% | 1.55% | -3.45% | Vajab kontrolli · Käsitsi kontroll · Kontrollitud 2026-07-02Eesti maakler — investorikaitse 20 000 €, MITTE hoiuste tagamine; Vault hoiab rahaturufonde |
| RS | 1.85% | 1.50% | -3.50% | Vajab kontrolli · Käsitsi kontroll · Kontrollitud 2026-07-02Premium/Metal plans, instant access, up to €100k |
| OC | 1.80% | 1.46% | -3.54% | Vajab kontrolli · Käsitsi kontroll · Kontrollitud 2026-07-02Santander subsidiary, salary required, instant access |
| BC | 1.75% | 1.42% | -3.58% | Vajab kontrolli · Käsitsi kontroll · Kontrollitud 2026-07-02Instant access, up to €50k, monthly interest, neobank |
| BE | 1.56% | 1.26% | -3.74% | Vajab kontrolli · Käsitsi kontroll · Kontrollitud 2026-07-02Instant access, Dutch deposit guarantee, monthly interest |
Ükski selle loendi toode ei pea pärast makse inflatsiooniga sammu. Väikseim kaotus on Bono del Estado 10Y (-2.06%).
⚠ Disclaimer: See töölaud on mõeldud üksnes informatiivsel eesmärgil ega kujuta endast finantsnõustamist. Näidatud maksumäärad on lihtsustatud ligikaudsed väärtused. Tegelik maksustamine sõltub isiklikest asjaoludest, tuluvahemikest ja toodete struktuurist. Pidage alati nõu kvalifitseeritud maksunõustajaga. Varasem tootlus ei taga tulevasi tulemusi. Andmeallikad: EKP, Eurostat, pankade veebisaidid.