Changelog

Fixes

• The outline buttons answer the pointer: «Print», «Reset», «Clear» and the CSV export now light up under the cursor and respond to a press - before they looked the same whatever you did

New

• CSV export of the schedule: a button above the table hands you a file for Excel or Google Sheets - the amounts come without the currency sign and the spaces, so they add up right away, and the dates stay dates

Improvements

• The scenario comparison can be shared and printed: the card now has a «Share the comparison» button - the link opens every scenario at once - and a «Print» one

New

• The «Coming soon» block is back: four notes on what we are working on - saved calculations, spreadsheet export, rates of specific banks and a tax calculator

Fixes

• Printing the scenario comparison: the table no longer breaks across sheets mid-row, and the link that reopens the same comparison is printed under it

Improvements

• Shorter article headlines: the blog titles are more compact now - they fit in full both in the list and in search results, which used to cut the long ones off

New

• Charts in the bond calculator: «Breakdown» shows how much of the income is coupons and how much is the par coming back, and «Payouts received» tracks the running total from one coupon to the next: you can see which payout returns the bond's price

Improvements

• Rates are rounded the same way everywhere: the deposit and loan calculators printed percentages to five decimals (0.15501 %); they now match the texts and the scenario comparison - two decimals for annual rates, three for monthly ones

Fixes

• A negative return is red now: in the investment and bond calculators the inflation-adjusted rate and the total return were green even when the result was negative - the colour now follows the sign, as it already did in the deposit and pension calculators

Improvements

• Examples recomputed on fresh data: the articles, the texts under the calculators and the FAQ now use 10 % hryvnia inflation (NBU, October 2026) - at that level an average deposit no longer keeps up with prices, and every example shows it

Fixes

• Chart legend in print: the colour markers next to the labels no longer disappear on paper or in a PDF - you can tell again which line is which

Improvements

• Pages open faster: a calculator now loads almost half as much code - the charts and the text under it arrive once the page is already usable

New

• Print and PDF of a calculation: every calculator now has a «Print» button - the sheet carries the inputs, the results, the charts and the payout schedule, and «Save as PDF» in the print dialog turns it into a file
• Offline mode: after the first visit the site works without a connection - every calculator, article and reference page opens from the browser's own copy
• Install the app: the menu now offers «Install the app» - FinPotik opens from the desktop or the phone in its own window, without an address bar

Improvements

• Calculator charts: the breakdown and the graph now sit in two separate cards, and the graph stretches to the full height of its card - the results look tidier
• Closing notifications: message banners fade out smoothly and the page content glides up into the freed space instead of jumping

Fixes

• Error page: the message box is now centered on the screen instead of sticking to the left edge

New

• "Government bonds for beginners" article: where to buy bonds - a bank app, Diia or a broker, which fees to look for in the tariffs and how much they take off the yield
• Mortgage article: how the down payment and the term change the payment and the overpayment - with tables for a 2 million flat at the NBU rate

Improvements

• Unified typography: dashes replaced with hyphens across all site texts

New

• Loan rates from the NBU: the loan calculator now starts from the average rate on new consumer credit, and the mortgage from the one on house-purchase loans, with the source under the field

Improvements

• Every example recalculated on current data: articles, calculator explainers and the FAQ now use rates, inflation and bond yields from the NBU, the Ministry of Finance, Eurostat and the US Bureau of Labor Statistics, with the source and month named
• Conclusions updated along with the figures: at today's inflation a deposit really earns about 1.5 % a year, and government bonds are further ahead of it

New

• Official NBU exchange rate: pick the dollar or the euro and the NBU rate with its date shows under the currency field, updated daily
• Mixed currencies in the scenario comparison: hryvnia and currency scenarios are now brought to hryvnias at the NBU rate - with the hryvnia equivalent, the difference and the best result
• Current inflation: the calculators start from the past year's inflation - the NBU's for the hryvnia, Eurostat's for the euro, the US Bureau of Labor Statistics' for the dollar, with the source under the field

Improvements

• The «Dollar or hryvnia deposit» article uses the new inflation: at the average rate the hryvnia deposit gains 1.9 % in real terms, the dollar one loses 2.5 %
• The deposit calculator's explainer says where the default rate, exchange rate and inflation come from

New

• Rates from the NBU: the deposit calculator now starts from the average rate on new deposits in the National Bank's official statistics, and a hint by the field reminds you that your bank's rate may differ

Improvements

• A refreshed blog: newest articles first, the latest one as a large card, topics with a filter, and the whole card is clickable
• The «Dollar or hryvnia deposit» article is recalculated on the NBU average rates and official exchange rate, with an example of how your bank's rate shifts the threshold

New

• Scenario comparison: every calculator can now keep up to three sets of inputs and show them side by side in one table - what differs, by how much and which result is best
• A ready comparison by link: a link can open a calculator with several scenarios already in place, as the new article does
• Article «Dollar or hryvnia deposit»: at what exchange rate a dollar deposit catches up with a hryvnia one - with an example that opens in the calculator

New

• Privacy Policy and Terms of Use: both pages are linked from the footer and the sitemap
• Statistics only with consent: Google Analytics starts only after "Allow" in the banner, and you can change your choice at any time on the privacy policy page
• Article "Repaying a loan early: cut the payment or the term" - how much an early payment saves and how to work out your own case

Improvements

• The site opens faster: each page loads only its own code and texts, and the fonts come from our server, with no requests to Google
• Clearer names and numbers: "Yield to maturity (YTM)" and "True rate (APR)", proper word forms ("12 months", "7 yr 9 mo"), percentages written the same way everywhere, "15.9 %"
• On a phone, notices no longer cover the header, and first-time visitors no longer see "Site updated"

Fixes

• Term fields can be cleared and retyped - typing 12 used to give 112
• The investment and pension calculators keep your saved calculation when you switch tabs
• The bond yield uses the exact number of days, so it is no longer overstated a few days before a month ends
• The real rate of a compounding deposit now agrees with its real value
• Figures in the explainers and articles: the comparison of a rate with fees against one without is corrected, and the 17.11 % effective rate is marked as before tax
• The 404 page shows in the language of the address, and the site works even when the browser blocks saving data

New

• Dropdown from the keyboard: "Capitalization frequency" in the deposit calculator opens with the arrow keys, jumps to an option by its first letter, confirms with Enter and closes with Esc - and screen readers announce all of it

Improvements

• Higher-contrast colours: buttons, active tabs, hints and error messages are easier to read, especially in the dark theme
• Clearer heading structure for screen readers on the calculator pages, the FAQ and the updates page

Fixes

• Loan: the one-time fee shows in the schedule - as its own row on the issue date, so the "Fee" column now adds up to its total
• The required contribution in the investment calculator rounds up to the cent, so it reaches the goal in full instead of falling a few hryvnias short
• Pension calculator: the real value of withdrawals uses the same annual inflation as the indexation and no longer runs low over long periods. The examples in the text and the article are recomputed

Fixes

• The FAQ page is centred, like the other text pages

Improvements

• Keyboard and screen readers: the FAQ opens from the keyboard, calculator tabs switch with the arrow keys, the mobile menu closes on Esc, and the schedule tables read out correctly
• Opening another page starts at the top rather than where the previous one was scrolled to
• Long sums in the result cards fit on wide screens - the currency symbol no longer sits alone on a second line

Fixes

• Pages no longer redraw after opening: today's date in the header and in the payout schedule shows straight away, without a flicker
• Article and release dates show the same day in every time zone
• A link to one investment or pension mode no longer overwrites another mode's saved calculation, and switching tabs no longer loses the saved data
• Absurdly large numbers in a link (a rate of a million percent, say) are capped instead of showing «∞»
• Cents round exactly - some sums could previously lose one cent
• The last-withdrawal hint in the pension calculator shows the amount actually paid, not next year's

Improvements

• The hryvnia now shows as ₴ instead of "грн" - the same across every calculator and table

New

• A blog: six worked pieces - one per calculator and one on inflation. Every example is real: enter the same inputs in the calculator and you get the same result

Fixes

• Notices no longer flash: once you close the message at the top of a page, it stays closed the next time you open it
• No white flash between pages - most noticeable in the dark theme

New

• An explainer under every calculator: how it works out the figures, what each field means, and a worked example. The numbers in those examples are real - enter the same inputs and you get the same result
• The English version has its own addresses: an English page can now be bookmarked or shared, and it opens in English rather than in Ukrainian

New

• A new FAQ entry: what the payout schedule shows in each calculator - which columns it has, what period it covers, and what the totals row adds up

Improvements

• About page: the list now includes the loan and mortgage calculator, and describes what every calculation comes with - payout schedules, real value adjusted for inflation, currency choice, and a link to your calculation

Improvements

• Dialogs are easier to use from the keyboard: focus stays inside the dialog, Esc closes it, and the page behind no longer scrolls

Fixes

• Older deposit calculator links: a bookmarked or shared link to the calculator's previous address opens the calculation again - it used to reset every field on the way to the new address

New

• Bond payout schedule: a table with every coupon date and amount, and the par value coming back with the last payment - you can see when the money arrives and how much has been received by each date
• Pension withdrawal schedule: a yearly table - how much was withdrawn, how much the capital earned, and what is left
• Yearly investment schedule: contributions, growth, and the portfolio balance at the end of each year

New

• Loan & mortgage calculator: two modes - "Loan" (you know the amount) and "Mortgage" (property price minus the down payment). Works out the monthly payment, the overpayment, the true rate (APR) with fees, and the full amortization schedule, monthly or yearly
• Annuity vs classic scheme: switch between one constant payment and a shrinking one, and see what the difference costs in overpayment
• Bank fees: a one-time origination fee and a monthly one (or insurance) - both feed the true rate and the cost breakdown

Fixes

• Monthly schedule on narrow screens: table text no longer overlaps, and the "Total" row lines up exactly under its columns

Improvements

• Responsiveness: forms, result cards, and the table scale smoothly with the screen width, and charts stack when there is not enough room side by side

New

• Monthly deposit schedule: a table below the chart lists every month of the deposit - date, day count, accrued interest, tax, payout, and balance, with a totals row

Improvements

• More accurate deposit math: interest accrues on the actual days of each month (act/act, the way banks do), leap years included - monthly figures match real payouts
• "Site update" banner: clicking "view changes" now opens the updates page and dismisses the banner right away

Improvements

• The "Latest updates" page is now a timeline: each release is its own card with the version, date, and colored category tags; the current version is highlighted

New

• Calculators remember your data: entered values are stored locally in your browser (30 days) - when you return to the page, you continue where you left off. A "Share calculation" link still takes precedence over the saved state
• Reset button: returns the calculator to its default values with one click - without reloading the page

Improvements

• "How to use?" button moved to the right of the calculator title - it no longer takes a separate row above the form, and on narrow screens it neatly drops below the subtitle

New

• Shareable calculations: every calculator now has a "Share calculation" button - all parameters are stored in a link copied with one click; the recipient opens the calculator with your values already filled in
• "Support" button: now available to everyone in the header and sidebar - if the project is useful to you, you can support its development

New

• Deposit calculator - capitalization frequency: choose monthly, quarterly, or annually
• Real value and real rate: added an inflation field - see the deposit's value "in today's money" and whether it actually beats inflation
• Effective annual yield (APY): shown in capitalization mode
• Deposit Guarantee Fund: a warning when the deposit exceeds the guaranteed limit

Improvements

• Deposit term extended to 36 months
• Deposit form split into two logical sections
• New FAQ explanations: real rate, real value, capitalization frequency

New

• Pension calculator - "Required capital" mode: the inverse of "Duration" - enter the desired monthly withdrawal and for how many years you need it, and the calculator shows how much capital you need to accumulate before retirement
• Dark mode - toggle in the header; follows your system setting by default, and your choice (light / dark) is remembered

Improvements

• Continued interface refactor - calculator component unification and minor visual polish

• Global core refactor - a more stable foundation for future development
• Minor visual polish across the interface

New

• Bonds calculator - "By budget" mode: enter how much money you have and the calculator shows how many bonds fit, how much is leftover, or how much more is needed to fit one more
• "Profit / loss" card in the bonds calculator now shows approximate monthly income (when a maturity date is set)
• If a new site version ships while your tab is open, a "Reload page" prompt appears - no more guessing whether to refresh

New

• Pension calculator - see how long your capital lasts under monthly withdrawals. Takes return rate, inflation, and optional withdrawal indexing into account
• Glossary of terms in FAQ
• Field hints across all calculators explain what to enter

Improvements

• UAH inflation default: 8% → 12%

Improvements

• After each site update a notification appears with a link to the changelog - so you can see what's changed since your last visit

Improvements

• Investment calculator: the active tab (Goal / FIRE / Forecast) now persists across visits and is reflected in the URL (?mode=...) - link sharing keeps the chosen mode
• The "How to use?" link on the investment page now opens the FAQ entry for the active tab

Improvements

• Each calculator page now has a "How to use?" link that opens the relevant section in the FAQ

New

• Investment Calculator with three modes:
  • Capital goal - set a target sum and horizon; the calculator derives the required monthly contribution
  • Passive income (FIRE) - set desired monthly income and capital yield rate; the calculator derives the target capital and the required monthly contribution to reach it
  • Forecast - classic projection: initial capital + monthly contribution + return rate → final portfolio with breakdown and growth charts
• FAQ entries with usage guidance for each investment calculator mode

Improvements

• Selected currency and inflation are shared across investment calculator modes - switching tabs preserves your context
• Per-currency inflation defaults (UAH/EUR/USD) for the investment calculator

Bug Fixes

• Number inputs now accept comma as a decimal separator - relevant for mobile keyboards with Ukrainian/European locale

New

• Bonds Calculator - calculate bond returns: purchase price, par value, quantity, maturity date, coupon payments. Shows total investment, profit/loss, total income, YTM and total return
• Support for bonds from any country - par value is now a user input, not fixed at 1000 UAH
• "Other" currency option - for calculations without a specific currency symbol

Bug Fixes

• Deposit Calculator: fixed compound interest accuracy - eliminated accumulated rounding errors

Improvements

• Improved number input fields: auto-selects on focus, letters are blocked, fixed leading zero issue

Bug Fixes

• Deposit Calculator: fixed monthly top-up calculation - now correctly applies N−1 replenishments (initial capital covers the first month)

Improvements

• Added ~ sign next to approximate values in the deposit calculator
• Added informational notice about the reference-only nature of calculations