Tax on passive income: 23 % and the exceptions
Income tax and the military levy on deposits, bonds, rent and dividends: where it is 23 %, where 10 %, where nothing, and who pays it for you.
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Government bonds for beginners: where to buy
A bank app, Diia or a broker, which fees to look for, and why a 1 % purchase fee costs a one-year bond over a percentage point of yield.
Mortgage: how the down payment and term add up
Every 100 000 ₴ down cuts the overpayment by 67 276 ₴, while 10 years instead of 5 doubles it. A 2 million flat at the NBU's 11.29 %.
Dollar or hryvnia deposit: the rate decides
NBU averages: 12.63 % in hryvnias versus 1.07 % in currency. At what exchange rate a dollar deposit catches up, and what your bank's rate changes.
Repaying a loan early: the payment or the term
How much an early payment saves, why a shorter term wins, and how to work out your own case in the calculator.
How a compounding deposit is calculated
Where the effective rate comes from, why the compounding frequency changes the result, and what tax takes.
Government bonds or a deposit: which pays more
A like-for-like comparison: after tax, a deposit trails government bonds by far more than the rate gap suggests.
How much capital it takes to live off interest
Working out the capital a passive income needs, and how long it takes to build at different contributions.
How long capital lasts under monthly withdrawals
Why indexing withdrawals cuts the term by over a third, and why doubling the capital adds no years at all.
Annuity or classic: what the choice costs
The two repayment schedules on one loan, where the early payments go, and how fees lift the true rate.
Real returns: what is left of 12.63 %
How to work out a real rate, why a 12.63 % deposit leaves about 1.5 % in real terms, and what a million is worth in ten years.