Is savings account interest taxed in Tunisia?

Individual savings accounts benefit from an annual tax-free interest allowance (up to 10,000 TND interest); yields exceeding this threshold incur a 20% withholding tax.

What is the key difference between a savings passbook and a term deposit (DAT)?

A savings passbook allows on-demand withdrawals, while a term deposit (DAT) locks principal for a fixed term (3 to 36 months) in exchange for higher guaranteed yields.

TunisiaUpdated for 2026Finance

Tunisia Bank Savings & Term Deposit (DAT) Yield Calculator 2026

Calculate net interest yields for bank savings books and fixed-term deposits (DAT) after compounding and 20% withholding tax in Tunisia.

Savings Growth Compound Interest Investment Returns

Calculated Result

Final Net Accumulated Balance

37,268.91TND

Calculator Inputs

Deposited Principal Amount

TND

Quick select:

Account & Investment Type

Investment Term

yrs

Quick select:

Final Net Accumulated Balance

37,268.91TND

Net Interest Yield Earned

7,268.91 TND

Average Annual Net Yield

2,422.97 TND / yr

Gross Interest Generated

7,268.91 TND

Withholding Tax (20%)

0 TND

Your interest earnings fall within the statutory tax-free exemption threshold for individual depositors.

Principal and Net Yield Composition

Initial Deposit Principal

30,000 TND(80%)

Net Profit Accrued

7,268.91 TND(20%)

Bank deposit interest rates adhere to statutory Central Bank of Tunisia (BCT) monetary directives and tax withholding regulations.

This calculator is a mathematical model for general financial estimation, planning, and educational guidance. Results depend on your inputs and standard formulas, and do not constitute binding financial, tax, or investment advice. Always consult a qualified professional before making financial decisions.

Official Statute: مناشير البنك المركزي التونسي ومجلة الضريبة على دخل الأشخاص الطبيعيين (تنظيم فوائد دفاتر الادخار والخصم من المورد على الفوائض)Last Verified: 2026-09-06

Calculation Methodology

Gross yield is calculated based on simple or compound interest, adjusted for the 20% statutory withholding tax on non-exempt investment interest.

Frequently Asked Questions

Interest rates on standard bank savings accounts are pegged to the Central Bank's money market benchmark rate (TMM minus designated spread).

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Tunisia Bank Savings & Term Deposit (DAT) Yield Calculator 2026

Calculator Inputs

Principal and Net Yield Composition

Calculation Methodology

Frequently Asked Questions

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