Treasury Bonds Calculator

Calculate potential returns from investing in Polish treasury bonds. The calculator considers different bond types, inflation rates, and expected NBP rates.

The calculator has been updated to reflect the latest bond offerings as of November 1, 2025.

Investment parameters

Bond emission period

Select bond emission period to see current interest rates

Investment amount

PLN

Bond type

Expected inflation rate: 2.9%

Purchase within IKE or IKZE account

Consider early redemption

Calculation results

PLN 11,494.45

Final amount

Total return

PLN 1,494.45

Return rate

14.94%

Capital gains tax

PLN 350.55

COI 5.25%

Inflation indexed

4-year inflation indexed

First period interest rate

5.25%

Subsequent periods rate

2.9% + 1.50%

Interest payment

every year

Total length

4 years

Wykres skumulowanej wartości inwestycji

Wykres pokazuje skumulowaną wartość inwestycji w czasie, składającą się z początkowej kwoty, poprzednio naliczonych odsetek oraz odsetek z bieżącego okresu.

Szczegółowe obliczenia dla okresów odsetkowych

Okres	Stopa (%)	Odsetki	Skumulowane odsetki	Podatek	Skumulowany podatek	Wypłacona kwota	Skumulowana wypłata
1 rok	5.25%	525,00 zł	525,00 zł	99,75 zł	99,75 zł	425,25 zł	425,25 zł
2 rok	4.40%	440,00 zł	965,00 zł	83,60 zł	183,35 zł	356,40 zł	781,65 zł
3 rok	4.40%	440,00 zł	1405,00 zł	83,60 zł	266,95 zł	356,40 zł	1138,05 zł
4 rok	4.40%	440,00 zł	1845,00 zł	83,60 zł	350,55 zł	10 356,40 zł	11 494,45 zł

Tabela pokazuje szczegółowe obliczenia dla każdego okresu odsetkowego. Odsetki mogą być wypłacane okresowo lub kapitalizowane w zależności od typu obligacji.Wyjaśnienie stopy %: Stopa jest pokazana w skali rocznej zgodnie z warunkami obligacji.

All Available Bonds

Explore all available government bonds for the selected bond series (November 2025).

OTS 2.75%

Fixed rate

3-month fixed rate

First period interest rate

2.75%

Subsequent periods rate

2.75%

Interest payment

at bond maturity

Total length

3 months

ROR 4.50%

Variable rate

1-year variable rate

First period interest rate

4.50%

Subsequent periods rate

NBP rate + 0.00%

Interest payment

every month

Total length

1 year

DOR 4.65%

Variable rate

2-year variable rate

First period interest rate

4.65%

Subsequent periods rate

NBP rate + 0.15%

Interest payment

every month

Total length

2 years

TOS 4.90%

Fixed rate

3-year fixed rate

First period interest rate

4.90%

Subsequent periods rate

4.90%

Interest payment

at bond maturity

Total length

3 years

interest capitalized after each interest period

COI 5.25%

Inflation indexed

4-year inflation indexed

First period interest rate

5.25%

Subsequent periods rate

inflation + 1.50%

Interest payment

every year

Total length

4 years

EDO 5.75%

Inflation indexed

10-year inflation indexed

First period interest rate

5.75%

Subsequent periods rate

inflation + 2.00%

Interest payment

at bond maturity

Total length

10 years

interest capitalized after each interest period

ROS 5.45%

Inflation indexed

6-year family inflation indexed

First period interest rate

5.45%

Subsequent periods rate

inflation + 2.00%

Interest payment

at bond maturity

Total length

6 years

interest capitalized after each interest period

ROD 6.00%

Inflation indexed

12-year family inflation indexed

First period interest rate

6.00%

Subsequent periods rate

inflation + 2.50%

Interest payment

at bond maturity

Total length

12 years

interest capitalized after each interest period

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This calculator is for educational and informational purposes only. Actual returns may differ depending on real inflation rates, NBP rates and other economic factors. Please consult with a financial advisor before making investment decisions.