{"id":394,"date":"2016-10-17T09:09:54","date_gmt":"2016-10-17T07:09:54","guid":{"rendered":"https:\/\/rankomat.pl\/finanse\/?page_id=394"},"modified":"2022-10-13T13:43:29","modified_gmt":"2022-10-13T11:43:29","slug":"kalkulator-lokat","status":"publish","type":"page","link":"https:\/\/rankomat.pl\/finanse\/kalkulatory\/kalkulator-lokat\/","title":{"rendered":"Kalkulator lokat"},"content":{"rendered":"<p>Kalkulator lokat jest przyjaznym w obs\u0142udze narz\u0119dziem, pozwalaj\u0105cym na b\u0142yskawiczne obliczenie zysku z lokat bankowych, kont oszcz\u0119dno\u015bciowych czy oprocentowanych rachunk\u00f3w osobistych. Obliczenie zysku z lokaty trwa 2 minuty. Do sprawnej analizy dochodu wystarczy kwota inwestycji, jej okres oraz oprocentowanie nominalne. Przyj\u0119to, \u017ce kapitalizacja nast\u0119puje wraz z ko\u0144cem okresu inwestycji. <\/p>\r\n<br \/><br \/>\n<p>Skorzystaj z naszego kalkulatora aby szybko obliczy\u0107 zysk dla lokaty o podanych parametrach<\/p>\n\n<form method=\"post\" class=\"form-horizontal\">\n    <div class=\"form-group row align-center\">\n        <label for=\"amount\" class=\"small-4 medium-3 large-3 columns control-label\">Kwota:<\/label>\n        <div class=\"small-9 medium-9 large-9 columns\">\n            <div class=\"input-group\">\n                <input type=\"text\" class=\"form-control input-group-field\" name=\"amount\" required id=\"amount\"\n                       placeholder=\"10000\" value=\"\">\n                <span class=\"input-group-addon input-group-label\">z\u0142<\/span>\n            <\/div>\n        <\/div>\n    <\/div>\n    <div class=\"form-group row align-center\">\n        <label for=\"period\" class=\"small-4 medium-3 large-3 columns control-label\">Okres:<\/label>\n        <div class=\"small-9 medium-9 large-9 columns\">\n            <div class=\"input-group\">\n                <input type=\"text\" class=\"form-control input-group-field\" name=\"period\" required id=\"period\"\n                       placeholder=\"3\" value=\"\">\n                <span class=\"input-group-addon input-group-label\">mies.<\/span>\n            <\/div>\n        <\/div>\n    <\/div>\n    <div class=\"form-group row align-center\">\n        <label for=\"percent\" class=\"small-4 medium-3 large-3 columns control-label\">Oprocentowanie:<\/label>\n        <div class=\"small-9 medium-9 large-9 columns\">\n            <div class=\"input-group\">\n                <input type=\"text\" class=\"form-control input-group-field\" name=\"percent\" required id=\"percent\"\n                       placeholder=\"3\" value=\"\">\n                <span class=\"input-group-addon input-group-label\">%<\/span>\n            <\/div>\n        <\/div>\n    <\/div>\n    <div class=\"text-center\">\n        <input type=\"submit\" name=\"calculate\" class=\"btn btn-primary btn-lg center-block\" value=\"Oblicz zysk\">\n    <\/div>\n<\/form>\n\n\n\n    <div class=\"basket_container featured-deposit-shortcode\">\n        <div class=\"row\">\n            <div class=\"small-12 medium-12 large-12 columnsbasket_header columnsbasket_recommended_header\">\n                <h2 class=\"title text-center\">Oferty wyr\u00f3\u017cnione<\/h2>\n            <\/div>\n        <\/div>\n        <div class=\"sugessted_items\">\n                    <div class=\"result_item\" data-offerid=\"256\" data-offername=\"Santander Consumer Bank-Lokata Online Nowe \u015arodki\">\n            <div class=\"lk_badge_wrapper\">\n                    <div class=\"lk_badge no_account tooltipsta\" title=\"Lokata dost\u0119pna bez zak\u0142adania konta.\">bez<br\/>konta<\/div>\n\n\n        <div class=\"lk_badge branch tooltipsta\" title=\"T\u0119 lokat\u0119 mo\u017cesz za\u0142o\u017cy\u0107 wy\u0142\u0105cznie w banku.\">w banku<\/div>\n    \n            <\/div>\n            <div class=\"result_item_inner row deposit_row\"><!--\n            --><div class=\"small-12 medium-12 large-2 columns col_name deposit_logo\">\n\n                    <div class=\"result_item_logo\">\n            <img decoding=\"async\" src=\"https:\/\/finpanel10.rankolabs.net\/assets\/ead538d4-6e6a-492e-b02a-a07979fb2be1\" class=\"img-responsive\" alt=\"Santander Consumer Bank-Lokata Online Nowe \u015arodki\" aria-hidden=\"true\" \/>\n    <\/div>\n                <\/div><!--\n            --><div class=\"small-6 medium-4 large-3 columns col_kwota_zakres deposit_label\">\n                    <div class=\"result_item_label label_zakres\">\n    Zakres kwoty\n<\/div>\n<div class=\"result_item_value value_zakres\">\n    1 000 - 400 000<span> z\u0142<\/span>\n<\/div>\n                <\/div><!--\n             --><div class=\"small-6 medium-4 large-2 columns deposit_label\">\n                    <div class=\"result_item_label show-for-large\">\n    Oprocentowanie:\n<\/div>\n<div class=\"result_item_label show-for-small-only\">\n    Procent\n<\/div>\n<div class=\"result_item_value value_procent\">\n    3,70<span> %<\/span>\n<\/div>\n                <\/div><!--\n             --><div class=\"small-6 medium-4 large-2 columns deposit_label\">\n                    <div class=\"result_item_label label_okres\">\n    Okres\n<\/div>\n<div class=\"result_item_value value_okres\" data-value=\"4\">\n    4 <span> mies.<\/span><\/div>\n                <\/div><!--\n             --><div class=\"small-12 medium-12 large-3 columns col_align align_middle col_cta deposit_btn\">\n                    \n<div class=\"result_item_value\">\n            <a href=\"https:\/\/rankomat.pl\/finanse\/redirect\/lokaty\/Lokata-Online-Nowe-Srodki\/256?refurl=https:\/\/rankomat.pl\/finanse\/wp-json\/wp\/v2\/pages\/394&#038;redurl=https%3A%2F%2Ftracking.leadaff.pl%2Fclick%2Fdbcedff34bb6434843ee7256a2548cf0\" target=\"_blank\" class=\"btn btn-success btn_offline\" rel=\"nofollow\">Sprawd\u017a<\/a>\n        <\/div>\n                <\/div>\n                <div class=\"small-12 medium-12 large-12 columns details_container\" style=\"display:none\">\n                    <div class=\"\">\n                        <div class=\"table-scroll table_more\">\n    <table class=\"table table-striped table-bordered\">\n        <tr>\n            <td class=\"detail_label\">Nazwa produktu:<\/td>\n            <td class=\"detail_value\"><a href=\"https:\/\/rankomat.pl\/finanse\/lokaty\/Santander-Consumer-Bank-Lokata-Online-Nowe-Srodki\/\">Lokata Online Nowe \u015arodki<\/a><\/td>\n        <\/tr>\n        <tr>\n            <td class=\"detail_label\">Zakres kwoty:<\/td>\n            <td class=\"detail_value\">1 000 - 400 000 z\u0142<\/td>\n        <\/tr>\n        <tr>\n            <td class=\"detail_label\">Oferta skierowana do:<\/td>\n            <td class=\"detail_value\">Nowych i obecnych klient\u00f3w<\/td>\n        <\/tr>\n        <tr>\n            <td class=\"detail_label\">Oferta dla nowych \u015brodk\u00f3w:<\/td>\n            <td class=\"detail_value\">Tak<\/td>\n        <\/tr>\n        <tr>\n            <td class=\"detail_label\">Produkt dost\u0119pny:<\/td>\n            <td class=\"detail_value\"><\/td>\n        <\/tr>\n        <tr>\n            <td class=\"detail_label\">Wymagane konto:<\/td>\n            <td class=\"detail_value\">Nie<\/td>\n        <\/tr>\n        <tr>\n            <td class=\"detail_label\">Oprocentowanie:<\/td>\n            <td class=\"detail_value\">sta\u0142e<\/td>\n        <\/tr>\n        <tr>\n            <td class=\"detail_label\">Kapitalizacja odsetek:<\/td>\n            <td class=\"detail_value\"><\/td>\n        <\/tr>\n        <tr>\n            <td class=\"detail_label\">Maksymalnie mo\u017cna za\u0142o\u017cy\u0107:<\/td>\n            <td class=\"detail_value\">-<\/td>\n        <\/tr>\n        <tr>\n            <td class=\"detail_label\">Konsekwencja wyp\u0142aty przed terminem:<\/td>\n            <td class=\"detail_value\">ca\u0142kowita utrata odsetek<\/td>\n        <\/tr>\n        <tr>\n            <td class=\"detail_label\">Bezpiecze\u0144stwo wk\u0142adu: <\/td>\n            <td class=\"detail_value\">gwarancja BFG                <a href=\"https:\/\/rankomat.pl\/finanse\/poradniki\/bankowy-fundusz-gwarancyjny-bfg\/\"\n                   target=\"_blank\">\n                    (czytaj wi\u0119cej)\n                <\/a>\n            <\/td>\n        <\/tr>\n        <tr>\n            <td class=\"detail_label\">\n                                    Oferta wa\u017cna do dnia:\n                            <\/td>\n            <td class=\"detail_value\">\n                2026-04-30            <\/td>\n        <\/tr>\n    <\/table>\n<\/div>\n                        <div class=\"row bottom_cta_container\">\n                            \n<div class=\"result_item_value\">\n            <a href=\"https:\/\/rankomat.pl\/finanse\/redirect\/lokaty\/Lokata-Online-Nowe-Srodki\/256?refurl=https:\/\/rankomat.pl\/finanse\/wp-json\/wp\/v2\/pages\/394&#038;redurl=https%3A%2F%2Ftracking.leadaff.pl%2Fclick%2Fdbcedff34bb6434843ee7256a2548cf0\" target=\"_blank\" class=\"btn btn-success btn_offline\" rel=\"nofollow\">Sprawd\u017a<\/a>\n        <\/div>\n                        <\/div>\n                    <\/div>\n                <\/div>\n            <\/div>\n            <div class=\"row btn_more_container\">\n                <div class=\"small-12 medium-12 large-12 columns text-center\">\n                    <div class=\"text-center deposite-more-bottom\">\n    <div class=\"left-box-more\">\n        <div class=\"fa fa-money\" aria-hidden=\"true\"><\/div>\n        <h3 class=\"result_item_name\">\n                            <a href=\"https:\/\/rankomat.pl\/finanse\/lokaty\/Santander-Consumer-Bank-Lokata-Online-Nowe-Srodki\/\">Lokata Online Nowe \u015arodki<\/a>\n                    <\/h3>\n\n    <\/div>\n\n    <div class=\"more-info-box\">\n        <div class=\"fa fa fa-plus\" aria-hidden=\"true\"><\/div>\n        <span class=\"btn_more\">Szczeg\u00f3\u0142y oferty<\/span>\n    <\/div>\n<\/div>\n                <\/div>\n            <\/div>\n        <\/div>\n                <\/div>\n    <\/div>\n\n<br><br>\r\n<H2>Jak dzia\u0142a kalkulator lokat bankowych?<\/H2>\r\n <p>\r\nNa podstawie przedstawionych warto\u015bci kalkulator zwr\u00f3ci u\u017cytkownikowi kwot\u0119 zysku, pomniejszon\u0105 o obowi\u0105zkowy podatek od zysk\u00f3w kapita\u0142owych. Aktualnie stopa podatku Belki wynosi 19%. Osoba korzystaj\u0105ca z narz\u0119dzia, otrzyma czyteln\u0105 informacj\u0119, jaka kwota zasili jej konto po zako\u0144czeniu planowanej inwestycji. Dzi\u0119ki tabelarycznej prezentacji danych, u\u017cytkownik dowie si\u0119 r\u00f3wnie\u017c, ile wynosi zysk przed potr\u0105ceniem podatku oraz jaka jest kwota obowi\u0105zkowego obci\u0105\u017cenia. <\/p>\r\n\r\n <p>\r\nBanki w polityce naliczania zysku zak\u0142adaj\u0105, \u017ce rok liczy 360 lub 365 dni, co wp\u0142ywa na ostateczn\u0105 wysoko\u015b\u0107 odsetek. U\u017cytkownik kalkulatora otrzyma informacj\u0119, jak kszta\u0142tuje si\u0119 zysk dla obu wymienionych wariant\u00f3w. Dzi\u0119ki tej funkcjonalno\u015bci w \u0142atwy spos\u00f3b oceni\u0107 mo\u017ce, jak liczba dni w roku wp\u0142ywa na przysz\u0142y zysk z inwestycji. W przypadku lokat bardziej atrakcyjnym rozwi\u0105zaniem jest naliczanie odsetek w oparciu o rok wynosz\u0105cy 360 dni.  <\/p>\r\n\r\n\r\nPodsumowuj\u0105c, kalkulator zysku dostarcza u\u017cytkownikowi czyteln\u0105 informacj\u0119 dotycz\u0105c\u0105:\r\n\r\n<ul>\r\n    <li>kwoty odsetek przed opodatkowaniem<\/li>\r\n    <li>kwoty podatku od zysk\u00f3w kapita\u0142owych<\/li>\r\n    <li>kwoty odsetek po opodatkowaniu <\/li>\r\n    <li>kwoty odsetek z uwzgl\u0119dniaj\u0105cej rok trwaj\u0105cy 360 lub 365 dni<\/li>\r\n<\/ul>\r\nSkorzystaj z kalkulatora lokat i sprawd\u017a, kt\u00f3re lokaty bankowe s\u0105 najlepsze.\r\n<br>\r\n<H2>Co to jest podatek Belki?<\/H2>\r\nCo to jest podatek Belki?\r\nPodatek od zysk\u00f3w i dochod\u00f3w kapita\u0142owych (czyli tzw. podatek Belki) jest to zrycza\u0142towany podatek dochodowy od os\u00f3b fizycznych.\r\nPrzedmiotem opodatkowania s\u0105 przychody z kapita\u0142\u00f3w pieni\u0119\u017cnych obejmuj\u0105ce m.in.:\r\n<ul>\r\n<li>odsetki od lokat i kont oszcz\u0119dno\u015bciowych,<\/li>\r\n<li>odsetki od obligacji,<\/li>\r\n<li>przychody z tytu\u0142u zbycia akcji,<\/li>\r\n<li>przychody z tytu\u0142u wyp\u0142aconej dywidendy,<\/li>\r\n<li>przychod\u00f3w z tytu\u0142u udzia\u0142u w funduszach inwestycyjnych,<\/li>\r\n<li>przychod\u00f3w z tytu\u0142u zbycia instrument\u00f3w pochodnych.<\/li>\r\n<\/ul>\r\n<br>\r\n<H2>Jak obliczy\u0107 zysk z lokaty?<\/H2>\r\nJak ju\u017c wspomnieli\u015bmy, oprocentowanie lokaty mo\u017ce by\u0107 sta\u0142e lub zmienne, a jego wysoko\u015b\u0107, bez wzgl\u0119du na czas trwania lokaty, okre\u015blana jest w skali roku. Dodatkowo z uwagi na spos\u00f3b liczenia odsetek mo\u017cna wyr\u00f3\u017cni\u0107:\r\n<ul>\r\n<li>odsetki proste \u2013 obliczane od wysoko\u015bci powierzonego kapita\u0142u przez ca\u0142y okres lokaty,<\/li>\r\n<li>odsetki sk\u0142adane \u2013 naliczane wielokrotnie, na pocz\u0105tku umowy obliczane od wysoko\u015bci powierzonego kapita\u0142u, nast\u0119pnie doliczane do kapita\u0142u i w kolejnym okresie odsetkowym liczone ju\u017c od powi\u0119kszonej kwoty.<\/li>\r\n<\/ul>\r\nWysoko\u015b\u0107 odsetek mo\u017cna obliczy\u0107 samodzielnie lub skorzysta\u0107 z dost\u0119pnych w internecie kalkulator\u00f3w zysk\u00f3w z lokat.\r\n\n","protected":false},"excerpt":{"rendered":"","protected":false},"author":1,"featured_media":0,"parent":3755,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"page_nodate.php","meta":{"_acf_changed":false,"yasr_overall_rating":0,"yasr_post_is_review":"","yasr_auto_insert_disabled":"","yasr_review_type":"","footnotes":""},"class_list":["post-394","page","type-page","status-publish","hentry"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.1.1 - 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