Solution:1000+1000× 2.25 %× 2.
= 1000+ 1000×0.0225×2
= 1000+45
= 1045 (yuan),
Answer: He can get back 1045 yuan.
1. Calculation formula Savings deposit interest rate shall be uniformly stipulated by the state and promulgated by the People's Bank of China. Interest rate, also known as interest rate [1], is the ratio of interest to principal on a certain date, which is generally divided into annual interest rate, monthly interest rate and daily interest rate. Usually the annual interest rate is expressed as a percentage, the monthly interest rate is expressed as one thousandth, and the daily interest rate is expressed as one thousandth. For example, the annual interest rate per thousand yuan deposit is 9% written as 90 yuan, and the monthly interest rate is 6‰, that is, the monthly interest rate per thousand yuan deposit is written as 6 yuan, and the daily interest rate 1% is written as 0. 15‰, that is, the daily interest rate per thousand yuan deposit is 1.5 points. Savings deposits in China are listed at monthly interest rates. In order to facilitate interest calculation, three kinds of interest rates can be converted, and the conversion formula is: annual interest rate ÷ 12= monthly interest rate; Monthly interest rate ÷30= daily interest rate; Annual interest rate ÷360= daily interest rate.
When calculating the interest of savings deposits from the interest-bearing starting point, the interest value of the principal is "yuan", and the corners and points below yuan do not bear interest. The amount of interest is calculated to ten digits, and the amount below ten digits is rounded off. Interest shall be calculated in installments to one decimal place, and the total interest shall be rounded off as follows.
The calculation formula of classified interest is mainly divided into the following four situations.
1. The basic formula for calculating interest on savings deposits is: interest = principal × deposit period × interest rate;
The second is the conversion of interest rate, in which the conversion relationship among annual interest rate, monthly interest rate and daily interest rate is: annual interest rate = monthly interest rate × 12 (month) = daily interest rate ×360 (day); Monthly interest rate = annual interest rate ÷ 12 (month) = daily interest rate ×30 (days); Daily interest rate = annual interest rate ÷360 (days) = monthly interest rate ÷30 (days). In addition, the use of interest rates should be consistent with the deposit term;
Third, the starting point of the interest calculation formula;
1, the starting point of savings deposit interest is RMB, and interest is not paid for cents below RMB;
2. The interest amount shall be calculated to one decimal place and rounded to one decimal place when actually paid;
3. All savings deposits, regardless of the deposit period, are paid with the principal at the time of withdrawal, excluding compound interest, except that the current savings are settled annually and the interest can be converted into the principal;
Fourth, the calculation of the deposit period in the interest calculation formula;
4. When calculating the deposit period, count the heads instead of the tails;
5, regardless of the big month, small month, flat month and leap month, every month is calculated as 30 days, and the whole year is calculated as 360 days;
6. The maturity date of all kinds of deposits shall be calculated on an annual and monthly basis. If the account opening date is the missing date of the expiration month, the expiration date should be the last day of the expiration month.
Provisions for calculating deposit term
When calculating interest, the number of days of deposit is calculated at the beginning, not at the end, that is, from the date of deposit to the day before withdrawal;
7, regardless of leap year, average year, regardless of the size of the month, 360 days a year, 30 days a month;
8. Calculated by year, month and day, the maturity date of various time deposits shall be subject to year, month and day. That is, from the deposit date to the same day of the following year is a pair of years, and the deposit date to the same day of next month is a pair of months;
9. Maturity date of time deposit. For example, if you don't work on legal holidays, you can withdraw one day in advance and calculate interest at maturity. The procedure is the same as early withdrawal.
The calculation formula of interest: principal × annual interest rate (percentage) × deposit period.
If the interest tax is X (1-5%)
The calculation formula of total principal and interest = principal+accrued interest is: accrued interest = principal × interest rate× time. Accrued interest shall be accurate to two decimal places, and the number of interest-bearing days shall be calculated according to the actual holding days. PS: The deposit period should correspond to the interest rate, not necessarily the annual interest rate, but also the daily interest rate and the monthly interest rate.
I. Basic formula for calculating interest The basic formula for calculating interest on savings deposits is: interest = principal × term × interest rate 2. Conversion of interest rate The conversion relationship among annual interest rate, monthly interest rate and daily interest rate is: annual interest rate = monthly interest rate × 12 (month) = daily interest rate ×360 (day); Monthly interest rate = annual interest rate ÷ 12 (month) = daily interest rate ×30 (days); Daily interest rate = annual interest rate ÷360 (days) = monthly interest rate ÷30 (days). Pay attention to the consistency with the deposit period when using interest rates. 3. Interest starting point 1. The starting point of interest for savings deposits is RMB, and no interest is paid for cents below RMB. 2. The interest amount shall be calculated to one decimal place and rounded to one decimal place when actually paid. 3. Except that the current savings are settled on an annual basis and the interest can be converted into principal, regardless of the deposit period, the interest of other savings deposits will be paid off with the principal at the time of withdrawal, excluding compound interest. Iv. Calculation of deposit period 1, and the calculation of deposit period adopts the method of counting the first number and the last number. 2, regardless of the big month, small month, flat month, leap month, every month is calculated as 30 days, and the whole year is calculated as 360 days. 3. The maturity date of all kinds of deposits shall be calculated on an annual and monthly basis. If the account opening date is the missing date of the expiration month, the expiration date should be the last day of the expiration month. Five, the calculation of foreign currency savings deposit interest, foreign currency savings deposit interest rate in accordance with the interest rate announced by the People's Bank of China, the original currency savings, the original currency interest (secondary currency can be converted into RMB according to the foreign exchange rate of the day to pay). Its interest-bearing provisions and calculation methods are compared with RMB deposit methods.