What is the difference between simple and compound interest on a note?

With simple interest, interest is calculated only on the original principal throughout the term. With compound interest, accrued interest is periodically added to the principal and earns interest itself, resulting in a higher total amount due, especially over longer terms.

What information do I need to run a calculation?

You need the principal amount, the issue date, the maturity date, and the annual interest rate. The tool calculates the exact number of days automatically.

Does this tool produce a legally binding document?

No. The tool is for calculation purposes only. To create a legally enforceable promissory note, consult a licensed attorney or notary.

Can I calculate multiple notes at the same time?

Yes. The batch calculation feature lets you enter parameters for several notes and compare their maturity values in a single view.

Are taxes or fees included in the calculation?

No. The tool calculates principal and interest only. For tax treatment of interest income or deductions, consult a certified accountant.

Does this tool replace professional advice?

No. This tool does not replace professional legal, accounting, or financial advice. Always consult a qualified professional for significant financial decisions.

Can I save my calculation results?

Yes. Export your results as a PDF to keep for your records or share with the other party involved in the note.

Promissory note calculator — Free Online

⚠️

Bu araç yalnızca hesaplama yapar; yatırım veya finansal tavsiye değildir. Oranlar ve vergi tutarları zamanla değişir; işlem yapmadan önce resmi kaynaktan (banka, muhasebeci, SPK lisanslı danışman) doğrulayın.

Total Notes

Active

₺75.000,00

Active Value

Overdue

SenetOverdue2026 yılı mal alımı

ABC Ticaret Ltd. → XYZ A.Ş.

2026-01-15 → 2026-07-15 (181 days)

₺50.000,00

Maturity: ₺50.000,00

Due today/past

BonoOverdueHizmet bedeli bonosu

DEF Holding → XYZ A.Ş.

2026-02-01 → 2026-05-01 (89 days)

₺25.000,00

Maturity: ₺25.000,00

Due today/past

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Select a note to view calculations

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📖 How to Use

Enter values

Fill required numbers in the form.

Pick parameters

Currency / date / rate / bracket.

Compute

Result appears instantly.

Copy / share

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💰 This tool is not financial advice — it is only a calculation aid. For investment decisions, consult a licensed investment advisor. Past performance does not guarantee future returns.

Promissory Note Calculator

📖 How to Use