Finance · Calculators
Ukrainian financial calculators 2026
Free tools to calculate mortgages, deposit reinvestment, refinancing, and Ukrainian sole-proprietor (FOP) taxes. All formulas and rates current to 2026.
Calculators
Why financial calculators matter
Every bank product — deposit, loan, mortgage — is a math formula with specific variables. A calculator helps you understand the real cost before signing: monthly payment, total overpayment, effective rate after compounding, taxes, and fees.
Bank ads typically show "from X% APR" — the lowest rate available only to the ideal customer. Real cost for most borrowers is 5-15 pp higher due to the full cost of credit (FCL): insurance, commissions, servicing fees. Kompanion calculators use pure math — the baseline the bank adds margins to.
What Kompanion calculators compute
- Mortgage — annuity payment + overpayment + total cost. eOselya option (3-7%) or regular (14-24%).
- Deposit reinvest — compound interest with adjustable frequency, optional 19.5% tax handling.
- Refinancing — side-by-side old vs new loan: monthly and total savings.
- FOP taxes — Ukrainian sole-proprietor tax for groups 1-3, USC, military duty, net income, annual burden.
FAQ
Can I trust online calculator estimates?
Calculators use math formulas identical at every bank. Discrepancies with real offers come from: upfront fees (1-3%), mandatory insurance (life for mortgage, CASCO for auto), servicing charges. The full cost of credit (FCL) on the bank's contract is the final figure including all of these.
What is APY (effective rate)?
APY (Annual Percentage Yield) — real annual return after compounding. If a bank shows 15% APR with monthly compounding, APY is 16.08%. The more frequent the compounding, the higher the APY. Banks typically print APY in fine print.
What rates apply in Ukraine right now?
NBU key rate — 13.5% (2026). Deposits: 14-17% UAH, 1-3% USD. Loans: eOselya mortgage 3-7%, regular 14-24%, auto 12-22%, cash 19-48%. These ranges are reflected in our calculators' default values.