Investing
Compound interest: how money multiplies and why time beats amount
The formula in plain words, the rule of 72 and calculations that show why ten years of head start matter more than the size of your deposit.
Wise Money Squared
Money that multiplies
Clear guides to budgeting, loans, savings and investing. Run your own numbers and decide without guesswork.
UAH 1,000 a month at 10% a yearUAH 759,369 in 20 years
Quick estimate
How much your savings will grow
Rate 10% a year, compounded monthly. More options in the full calculator.
In 20 years you will have
UAH 832,650
- Contributed
- UAH 250,000
- Interest
- UAH 582,650
Calculators
All calculatorsRun your own numbers
Loan calculatorMonthly payment, total interest and schedule: annuity or equal principal payments, with early repayment.Deposit calculatorDeposit income after the 23% tax: compounding, top-ups and the effective rate.Inflation calculatorWhat your money will buy in the future and how much you will need to keep its value.Ukraine take-home pay calculatorWhat is left after personal income tax and the military levy in Ukraine, and the other way round.
Topics
What we write about
Money basicsPersonal finance from scratch: inflation, interest, credit history and financial goals. Core ideas explained with worked examples.1 articleBudgeting and savingHow to build a personal budget, how much to save each month and how to build an emergency fund. The 50/30/20 rule, envelopes and expense tracking.2 articlesLoans and debtHow loan payments work, how to compare offers by the real annual rate, how much early repayment saves and how to get out of debt.1 articleDeposits and bondsBank deposits, Ukrainian government bonds (OVDP) and savings accounts: how to compare after-tax returns and what the Deposit Guarantee Fund covers.1 articleInvestingCompound interest, long-term saving and first steps in investing: how return, risk and time work together, with worked examples.1 articleFinancial securityHow to spot phone scammers, phishing and pyramid schemes, protect your card and accounts, and what to do if money has already been stolen.1 article
Articles
Start here
The basics for anyone who wants to run their money instead of the other way round.
Money basics
Inflation: how it eats your savings and how to protect them
What UAH 100,000 will buy in 5 and 10 years, how the real return differs from the rate in the contract and what actually protects you from inflation.
Deposits and bonds
Deposit or government bonds: which pays more after tax
Why the same rate gives you different money in hand, how to compare a deposit and bonds in 10 seconds and how to combine the two.
Financial security
A call from the “bank security service”: how to spot the scam
Four signs that give a scammer away even when your bank's number is on the screen, and a step-by-step plan if you have already shared your details.
Budgeting and saving
How to make a personal budget: the 50/30/20 rule and alternatives
We walk through the rule on a UAH 30,000 income and three alternatives for people who find 50/30/20 a poor fit.
Budgeting and saving
Emergency fund: how much you need and where to keep it
How to work out your amount, where to start if there is nothing to save, and where to keep the money so it is there when you need it.
Loans and debt
Annuity or equal principal payments: which loan schedule is cheaper
We calculate a UAH 100,000 loan both ways: where the payment is lower, where the total interest is lower and what early repayment changes.
Trading and risk
Risk management in trading: how much to risk per trade
The 1-2% rule, a position size calculation on EUR/USD and a table that shows why drawdowns are so hard to win back.