Tool for comparing profitability of treasury bonds
- customization of investment parameters,
- customization of bonds parameters,
- comparison of bonds (charts),
- optional adjustment for inflation,
- data export/import,
- sharing via url,
- two languages:
en
andpl
.
The tool was developed to help people answer the following question: "Which bonds will be more profitable in my case?". It was inspired by people purchasing 4-year bonds instead of 10-year bonds, because they didn't want to freeze their money for a decade. However, it was more profitable to cancel 10y bonds after 4 years than to keep 4y bonds for the same duration. Many people didn't do the calculation and they lost an opportunity to earn more money.
- This is not an investment recommendation.
- Computer programs may have bugs - always do your own calculations before investing.
git clone https://github.com/wpazderski/bonds-cmp.git
cd bonds-cmp
npm ci
npm run build
Upload contents of ./build/
directory to your server (destination directory depends on server's configuration). See CRA deployment documentation for more information.
- Click the flag in the top-right corner if you want to change interface language.
- Open
Settings
tab (open by default) to adjust investment and environment parameters:- currency, amount of money to invest, investment duration and income tax rate,
- whether to automatically adjust interest rates if bonds are repeated (it happens if investmentDuration > bondsDuration),
- predicted inflation rates and reference rates.
- Open
Bonds
tab to configure bonds. There are some bonds defined by default - these are treasury bonds offered in Poland. You can remove them and add your own bonds.- each interest period can be repeated ("Number of repeats") - there is a difference between 3x4months and 1x12months because of cancellation policy, capitalization and additive inflationRate/referenceRate,
- configure interest rate; example:
- percent is 5.5%,
- "Add inflation" is enabled and inflation rate is 13.7%,
- "Add reference rate" is enabled and reference rate is 8.25%,
- interest rate is 5.5% + 13.7% + 8.25% = 27.45%,
- configure cancellation policy (fees applied if you cancel the investment before current interest period ends),
- you can add more interest periods.
- Open
Charts
tab to compare bonds. There are 4 charts available:- "Total": amountInvested + interest - cancellationPolicy(if applicable) - incomeTax,
- "Only earnings": does not include amountInvested,
- "Total, adjusted for inflation": same as "Total", but reduced by inflation; example: total=575, inflation=15%; adjustedTotal=575 / (1 + 0.15)=500,
- "Only earnings, adjusted for inflation": same as "Only earnings", but reduced by inflation.
- If you want to save, export/import or share your results, go to
Save / Import / Share
tab.