Calculator
Polish Treasury bond calculator
The calculator provides a transparent fixed-rate, annual-compounding simulation. It does not reproduce every Polish retail bond series or redemption rule.
Calculator
Enter data
The investment amount, fixed annual rate, complete years and indicative tax rate. Fields marked with an asterisk are required.
How to use the calculator
- Enter the amount, fixed annual rate and number of complete years.
- Set the indicative interest tax and calculate the result.
- Compare the assumptions with the current Ministry issue letter.
Calculation details
Formula and calculation method
Gross value = capital × (1 + annual rate)^years. Indicative tax is applied to the positive interest generated.
Worked example
PLN 10,000 invested for three complete years at an unchanged fixed rate grows through annual compounding before indicative interest tax.
Limitations
- The simulation excludes changing rates, inflation margins, early redemption fees, payment timing and series-specific tax treatment.
Sources
Engine version: 1.0 · Last reviewed: 3 August 2026
Frequently asked questions
Is the default rate always current?
No. Offers change, so check the latest issue letter from Poland’s Ministry of Finance.
Does this model COI and EDO inflation-linked bonds?
No. Those series require inflation and margin assumptions not included in this fixed-rate model.