https://finpotik.com/en/blog Worked examples: how deposits, bonds and passive-income capital are actually calculated en Tue, 03 Nov 2026 00:00:00 GMT https://finpotik.com/en/blog/salary-vs-fop https://finpotik.com/en/blog/salary-vs-fop Tue, 03 Nov 2026 00:00:00 GMT The employer spends 36 600 ₴, an employee gets 23 100 ₴, a sole proprietor 32 501.66 ₴. Why the employee's share is always 63.1 % and what the gap buys. https://finpotik.com/en/blog/where-to-put-100000 https://finpotik.com/en/blog/where-to-put-100000 Tue, 03 Nov 2026 00:00:00 GMT A deposit, bonds, a fund, currency and cash on one sum: after one year, five and ten. A deposit needs 12.43 % just to draw level with prices. https://finpotik.com/en/blog/fund-fees-over-20-years https://finpotik.com/en/blog/fund-fees-over-20-years Mon, 26 Oct 2026 00:00:00 GMT A fee is charged on assets, not profit: 1 % a year takes 18 % of the final sum and almost a quarter of the profit - or 35 months of your time. https://finpotik.com/en/blog/tax-on-passive-income https://finpotik.com/en/blog/tax-on-passive-income Sat, 17 Oct 2026 00:00:00 GMT 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. https://finpotik.com/en/blog/bonds-for-beginners https://finpotik.com/en/blog/bonds-for-beginners Tue, 06 Oct 2026 00:00:00 GMT 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. https://finpotik.com/en/blog/mortgage-downpayment-and-term https://finpotik.com/en/blog/mortgage-downpayment-and-term Tue, 06 Oct 2026 00:00:00 GMT 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 %. https://finpotik.com/en/blog/deposit-uah-vs-usd https://finpotik.com/en/blog/deposit-uah-vs-usd Mon, 05 Oct 2026 00:00:00 GMT 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. https://finpotik.com/en/blog/early-loan-repayment https://finpotik.com/en/blog/early-loan-repayment Tue, 29 Sep 2026 00:00:00 GMT How much an early payment saves, why a shorter term wins, and how to work out your own case in the calculator. https://finpotik.com/en/blog/deposit-compounding https://finpotik.com/en/blog/deposit-compounding Tue, 15 Sep 2026 00:00:00 GMT Where the effective rate comes from, why the compounding frequency changes the result, and what tax takes. https://finpotik.com/en/blog/bonds-vs-deposit https://finpotik.com/en/blog/bonds-vs-deposit Tue, 15 Sep 2026 00:00:00 GMT A like-for-like comparison: after tax, a deposit trails government bonds by far more than the rate gap suggests. https://finpotik.com/en/blog/live-off-interest https://finpotik.com/en/blog/live-off-interest Tue, 15 Sep 2026 00:00:00 GMT Working out the capital a passive income needs, and how long it takes to build at different contributions. https://finpotik.com/en/blog/how-long-capital-lasts https://finpotik.com/en/blog/how-long-capital-lasts Tue, 15 Sep 2026 00:00:00 GMT Why indexing withdrawals cuts the term by over a third, and why doubling the capital adds no years at all. https://finpotik.com/en/blog/annuity-vs-classic https://finpotik.com/en/blog/annuity-vs-classic Tue, 15 Sep 2026 00:00:00 GMT The two repayment schedules on one loan, where the early payments go, and how fees lift the true rate. https://finpotik.com/en/blog/inflation-and-real-return https://finpotik.com/en/blog/inflation-and-real-return Tue, 15 Sep 2026 00:00:00 GMT 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.