FAQ

Compound interest - interest is accrued not only on the principal but also on previously earned interest. Capital grows faster over time.

Capitalization frequency - how often earned interest is added back to the principal (monthly, quarterly, annually). More frequent capitalization yields a higher final amount.

YTM (Yield to Maturity) - the real annual return of a government bond if held to maturity. Accounts for purchase price, par value, coupon payments, and term.

FIRE (Financial Independence, Retire Early) - a strategy of accumulating capital to leave traditional work early. The classic '4 % rule' - withdrawing ~4 % of capital per year is generally safe for 30+ years.

Decumulation - the spending phase: regular withdrawals during retirement, as opposed to the accumulation phase.

Sequence of returns risk - the risk that poor market returns early in the withdrawal phase deplete capital faster than a model with averaged returns suggests.

Enter your initial capital, interest rate, and deposit term. The calculator will automatically show the final amount accounting for compound interest and your selected capitalization frequency.

Choose what to do with the interest: add it to the deposit (capitalization) or withdraw it to your card monthly. In capitalization mode you can pick how often it compounds - monthly, quarterly, or annually; the more frequent the capitalization, the higher the final return.

You can also add a monthly contribution to see how regular top-ups affect the final result.

Set the annual inflation to see the deposit's real value in today's money and the inflation-adjusted rate - this shows whether the deposit actually outpaces inflation.

Compound interest means interest is calculated not only on the initial amount but also on previously earned interest - allowing your capital to grow faster over time.

Capitalization refers to how often earned interest is added back to the principal. The more frequent the capitalization, the higher the final return.

Over a year two things happen at once: your money grows by the interest rate, and prices grow by inflation. The real rate shows how much your purchasing power actually grew - how far your return outpaced inflation, not just how much the number on your account increased.

Example: 100 000 ₴ for a year at 12.63 % (the average rate per NBU data, August 2026), after the 23 % tax and with monthly capitalization, becomes 110 170 ₴ - that is 10.17 % net. But what used to cost 100 000 ₴ now costs 110 000 ₴ due to 10 % inflation (NBU, October 2026). So in today's money your deposit is worth about 100 155 ₴ - in real terms you gained only about 155 ₴. That is the 0.16 % real rate and the real value 'in today's money'.

If the rate equals inflation, the real rate is ≈ 0 (you break even); if the rate is below inflation, it is negative - you have more money but can buy less. We use the Fisher formula (1 + rate) / (1 + inflation) − 1, which is more accurate than simple subtraction because inflation also erodes the interest you earned.

OVDP (Ukrainian domestic government bonds) are debt securities issued by the Ministry of Finance of Ukraine. You lend money to the state and receive a fixed income in return.

Unlike bank deposits, government bonds are not covered by the Deposit Guarantee Fund, but they are considered a reliable instrument since the obligation is backed by the state.

Enter the purchase price (usually 1000 UAH - par value - but it may differ on the secondary market), the number of bonds, and the maturity date as stated in the bond prospectus.

Enter the total number of coupon payments over the full term and the amount per payment. For example, if the bond pays quarterly coupons over 1 year, that is 4 payments of N UAH each. This information is available in the Ministry of Finance prospectus.

The calculator shows your total investment, profit (coupons plus any discount if you bought below 1000 UAH), total income, and YTM - the real annual yield.

Use this mode when you have a specific sum to accumulate by a given deadline (a down payment on a home, a college fund, etc.). Enter your initial capital, the target amount, and the time horizon in years.

The calculator will show how much you need to invest each month to reach the goal at the assumed annual return.

Example: save $100,000 in 15 years starting from $1,000 at 8 % expected return → about $279/month.

This mode is for anyone planning to live off investment income. First set your desired monthly income and the yield rate of the assets you'll hold during retirement - typically 4-8 % for dividend stocks, government bonds, or the safe 4 % withdrawal rule.

The calculator derives the target capital - the amount that will generate your desired income - then, given starting capital, horizon, and accumulation rate, calculates the required monthly contribution.

Example: $3,000/month at a 12 % capital yield → target $300,000. Starting from $1,000 with 20 years and 10 % accumulation rate - invest about $385/month.

The 'what if' mode - useful when you know how much you can put aside monthly and want to see what it grows into. Enter initial capital, monthly contribution, expected return, and term.

The calculator shows final portfolio value, real (inflation-adjusted) value, total contributions, and net profit. Great for comparing scenarios - change the rate or horizon and observe how sensitive the outcome is.

The calculator works in two modes (toggle at the top). Both share the same idea: you have a capital, withdraw a fixed amount from it regularly, and the remainder keeps earning a return. Set the expected return on the remainder and inflation.

«Duration» mode: enter your starting capital and desired monthly withdrawal - the calculator shows how long the capital lasts, the total you'll withdraw, and the real (today's-money) value of those withdrawals. If your return rate exceeds the effective withdrawal rate, the capital never depletes - shown as 'Over 100 years'.

«Required capital» mode is the inverse: 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 to sustain those withdrawals.

The 'Index withdrawals to inflation' toggle increases the withdrawal amount each year by the inflation rate - more realistic since it preserves purchasing power. Without indexation the nominal amount stays fixed, but its real value declines over time.

Pick a mode at the top of the form. "Loan" is for when you already know the amount you are borrowing. "Mortgage" is for when you know the property price and the down payment - the calculator derives the principal as the difference.

Enter the annual rate from the contract and the term. Then choose the payment scheme - annuity (the same amount every month) or classic (the payment shrinks over time).

If the bank charges fees, enter them separately: the one-time origination fee and the monthly one, which is also where insurance fits. They are not part of the nominal rate but they move the real cost of the loan a lot.

The full amortization schedule sits at the bottom of the page: the payment, how much of it went to principal, how much to interest, and the debt left. Long terms show yearly by default - the Monthly / Yearly switch changes the detail.

With an annuity you pay the same amount every month. Early on almost all of it is interest and the principal barely moves; closer to the end the proportion flips.

With the classic (differentiated) scheme the principal is repaid in equal parts and interest accrues on what is left - so the first payment is the largest and every next one is smaller.

The classic scheme always costs less in total overpayment, because the debt shrinks faster. But its first payments are noticeably higher, and the bank judges your affordability by that first payment - so the amount you qualify for may end up smaller.

Switch the scheme in the calculator and compare the "Monthly payment" and "Overpayment" cards - the difference shows up immediately.

The nominal rate is only the price of using the money. The true rate (APR) also accounts for fees: the one-time origination charge and monthly payments such as insurance.

We compute it as the annualized return on the whole cash flow: what you actually received after the up-front fee, against what you pay every month. Even with no fees at all the APR sits slightly above the nominal rate, because interest accrues monthly: 18 % a year is 1.5 % a month, and over a year those add up to 19.56 %.

APR is the honest way to compare bank offers: 18 % with a 0.5 % monthly fee works out more expensive than a straight 24 % with no fees.

Pick the income type and the rates fill themselves in: 18 % income tax plus a 5 % military levy on deposit interest, rent, investment profit and salary; 5 % plus 5 % on dividends from Ukrainian companies that pay corporate profit tax; 9 % plus 5 % on dividends from non-residents and collective investment funds; nothing at all on government bond interest. For anything the list does not cover there is «Other income» with rates of your own.

The «from the gross / from the net» switch works in both directions. Rent of 20 000 ₴ leaves 15 400 ₴ on hand, and to end up with 20 000 ₴ net the gross has to be 25 974.02 ₴: 23 % of the gross is 29.87 % on top of what reaches the pocket.

Mark rent or salary as «monthly» and every card also carries its yearly figure - the one the annual return asks for.

The table under the calculator runs the same gross amount through every income type, so you can see what the identical income costs as a deposit, as rent or as dividends, and who hands the tax over - an agent or you.

It is the table under the calculator that shows every single payment rather than just the total. For deposits it runs monthly: the date, how many days the period had, the interest accrued, the tax, what reaches your card or the deposit, and the balance at the end of the period. Interest accrues on the actual days of each month, so the figures line up with what banks pay.

For loans and mortgages it is the amortization schedule: the payment, how much of it went to the principal, how much to interest and fees, and the remaining debt. On long terms the table switches to a yearly view - 240 rows are not worth reading.

For bonds the schedule lists the coupon dates and amounts, with the par value coming back in the last payment. For investments and the pension calculator the table is yearly: contributions or withdrawals over the year, the growth, and what is left at the end of it.

The last row is the total: everything accrued, all tax or interest paid, and what remains at the end.

No. All calculations are performed directly in your browser, and nothing you enter is sent to a server. Visit statistics (Google Analytics) are collected only with your permission - see the Privacy Policy for details.