A child is given 5 000 to 100 000 ₴ and decides, with an adult, what to do with it — kept liquid, in a term deposit, in government bonds, or partly in foreign currency.
See what a real decision about real money costs and pays — that a 13% rate is not 13% after tax, that money you cannot reach is not money you can spend, and that a balance which grows every month can still buy less than it did.
Step 1 of 5 · The gift
Someone in your family has given you money. Not pocket money for this week — money that could still be there in a year, if you decide it should be. How much is in the envelope?
Model values dated 2026-08-11, from official sources. An adult should check today's terms before any real operation.
This is a learning simulation, not investment, legal or tax advice. Rates, taxes and rules are model starting values with the dates they were checked; before any real operation an adult should verify today's terms with the bank, the Ministry of Finance or the NBU.