90-day interest rate = 3.9%/365*90=0.9616%; interest income = principal 60,000 * interest 0.96% = 576.986 yuan; the amount of interest depends on three factors: principal, deposit period and interest rate level.
The formula for calculating interest is: Interest = Principal X Interest Rate X Deposit Term.
According to the provisions of Guoshui Han [2008] No. 826 of the State Administration of Taxation, personal income tax on savings deposit interest will be temporarily exempted from October 9, 2008. Therefore, the interest on savings deposits is currently exempt from interest tax.
Expanded information The financial management channels are as follows: 1. Bank financial management The financial products provided by my country's commercial banks are divided into three categories: capital-guaranteed fixed-income products, capital-guaranteed floating-income products and non-capital-guaranteed floating-income products.
2. Securities company financial management Securities financial management generally includes stocks, funds, commodity futures, stock index futures, foreign exchange futures, etc. Individual or institutional investors can choose different financial management tools according to their different needs and investment preferences.
3. Insurance financial management Insurance financial management is more long-term, focusing on solving education planning and pension planning over a longer period of time, while also solving accident, medical and other security issues.
4. Investment company financial management Investment company financial management generally includes trust funds, gold investment, jade, jewelry, diamonds, third-party financial management, etc. It requires a relatively high starting capital and is suitable for high-end financial managers.
5. E-commerce financial management In the 21st century, in addition to financial management at offline outlets, you can also use financial search engines on the Internet to search for financial products and compare risks and returns from multiple parties before investing.