The Hesapstan repo calculator is designed to estimate the return and maturity amount of a repo (repurchase agreement) transaction, based on the principal you enter, an assumed annual rate, and the number of days in the term.
What is a repo transaction?
A repo (repurchase agreement) is a short-term money market transaction in which one party sells securities to another with an agreement to repurchase them at a set maturity date. For an investor, a repo is typically a way to earn interest over a very short term, ranging from overnight to a few weeks.
This tool calculates the return using simple interest on a 365-day basis: Interest = Principal × (Annual Rate / 100) × (Term in Days / 365).
Where do I find the annual rate?
Repo rates change daily and are offered to you specifically by your bank or brokerage as current market rates. This tool does not provide a live or official repo rate; you must enter the current rate quoted by the institution you are dealing with.
What does this tool not calculate?
- It does not provide a live or real-time repo rate; you enter the rate yourself.
- It deducts the 15% repo-income withholding stated in GİB's 2026 guide; it does not include transaction commissions or institution-specific costs.
- It does not model contractual differences between reverse repo, overnight repo, or specific bank products; it applies only the simple-interest formula.
Frequently Asked Questions
How is repo return calculated?
The principal is multiplied by simple interest based on the annual rate and the term in days divided by 365: Interest = Principal × (Annual Rate / 100) × (Days / 365).
Does this tool show a current repo rate?
No. Repo rates vary by bank and by day; this tool only calculates using the rate you enter yourself.
Is repo income subject to tax?
The tool deducts the 15% repo-income withholding stated in GİB's 2026 Temporary Article 67 guide and displays the estimated net return.
How long is a typical repo term?
Repo transactions are typically very short-term, ranging from overnight to a few weeks. This tool calculates for any number of days you enter.