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It is the return received in return for money lent to a place to operate. In a capitalist economy, the price of money, as a modified form of surplus value, means the rental price of money that is rented. This concept forms the basis of financial mathematics.

It is calculated by two different methods, simple and composite.

It is the calculation of a certain rate of return on the principal for a single period only. For example, if TL 1000 is deposited with a 1-year maturity at 10% annual interest rate, TL 100 interest will be earned and the principal and total capital will be TL 1100. (Withholding tax deductions are excluded.)

It is found with the following formula.

Return = Principal X (Interest Rate / 100) X Maturity

According to the frequency of interest accrual, the profit at the end of each period until the end of the maturity period is added to the principal and reinvested, and interest is calculated over the changing capital in each period. For example, if TL 1000 is deposited with a 2-year maturity, annual profit payment and 10% annual interest, a return of TL 100 will be obtained at the end of the 1st year and the principal and total capital will be TL 1100. When TL 1100 is deposited again for the 2nd year, a return of TL 110 will be obtained and the total capital will be TL 1210. (Withholding tax deductions are excluded.)

The sum of principal and yield at maturity is calculated by the formula below. The most important point to note in the formula is that the interest rate should be compatible with the frequency of interest accrual. In other words, the rate in this formula indicates the return to be obtained at the end of 1 period. For example; if a 10% profit is obtained in 1 month and the total capital to be obtained at the end of 3 months is to be calculated, 10/100 should be written instead of the rate in the formula and 3 should be written in the number of periods.

Total Capital at Maturity = Principal X (1 + Interest Rate) ^{Number of Periods}