Finance · Calculators
Financial calculators for Ukraine, 2026
Nine calculators for decisions where a mistake costs money: loans, deposits, sole-proprietor tax, salary, VAT and importing a car. The 2026 rates are built into the formulas and were checked on 5 October 2026, and each calculator says what it leaves out.
Borrowing
Saving
A currency converter at the NBU rate is in the Currency section.
Tax and salary
Importing a car
The rates the calculators use
Checked on 5 October 2026. The minimum wage, subsistence minimum, single tax and FOP limits are set on 1 January, so the next scheduled update is January 2027. The key rate is updated after NBU decisions, and the euro rate for import duty is refreshed daily.
| Item | Value | Source |
|---|---|---|
| Minimum wage | UAH 8,647 | business.diia.gov.ua/news/no… |
| Subsistence minimum (able-bodied) | UAH 3,328 | business.diia.gov.ua/news/no… |
| Tax on salary and deposit interest | 23%: 18% income tax + 5% military levy | minfin.com.ua/ua/deposits/ar… |
| Minimum social contribution | UAH 1,902.34/month (22% of minimum wage) | business.diia.gov.ua/news/no… |
| FOP single tax, groups 1 and 2 | UAH 332.80 and 1,729.40/month | zt.tax.gov.ua/media-ark/news… |
| FOP military levy, groups 1–2 | UAH 864.70/month | zt.tax.gov.ua/media-ark/news… |
| FOP income limits, groups 1/2/3 | UAH 1,444,049 / 7,211,598 / 10,091,049 | dn.tax.gov.ua/media-ark/news… |
| VAT rates | 20%, 14%, 7% | Tax Code, art. 193 |
| Excise on passenger cars | petrol: EUR 50 per litre up to 3,000 cc, EUR 100 above; diesel: EUR 75 per litre up to 3,500 cc, EUR 150 above; multiplied by the car's age (1 to 15 years); hybrid: EUR 100 per car; electric: EUR 1 per kWh | greentravel.ua/ua/rozmytnenn… |
| Microloan rate cap | 1% a day including fees | jurliga.ligazakon.net/news/2… |
| NBU key policy rate | 16% since 18 September 2026 | news.dtkt.ua/finance/bank-sy… |
| Deposit guarantee (DGF) | full amount during martial law + 3 months | fg.gov.ua/articles/51181-vru… |
Why your result may differ from the bank's or customs'
- Banks add fees and insurance, so the advertised rate is lower than the real one. The loan calculator works out the real rate including fees.
- Customs uses the NBU rate on the day the declaration is filed and may adjust the declared value of the car.
- Reliefs are individual: the social tax benefit, the 1.5% military levy for service members or the exemption of retired sole proprietors from the social contribution only apply where a calculator says so.
Frequently asked questions
How often are the rates updated?
Annual figures (minimum wage, subsistence minimum, single tax and FOP limits) change on 1 January. The NBU key rate changes after board decisions, and the euro rate in the import duty calculator is refreshed daily. The date of the last check is shown above the rates table.
Why is a loan's real rate higher than the advertised one?
Because banks earn on fees as well as interest. A loan at 0.01% a year with a 1.5% monthly fee on the amount costs about 36% a year over two years. The loan calculator shows both numbers side by side.
How much tax is withheld from deposit interest in 2026?
23% of the interest: 18% income tax and a 5% military levy. The bank withholds it, and the deposit itself isn't taxed.