FX savings
average purchase rate → what your savings are worth now and whether you're up
Purchases
Amount $Rate
Position
Total FX
1 300,00 $
Spent
51 890,00 ₴
Average purchase rate: 39,92 ₴/$break-even sell 40,52
Value at sell rate 41,90
54 470,00 ₴
+2 580,00 ₴ (+5,00%)
DCA effect: buying in parts smooths the rate — your average is below the peak, and you don't need to time the bottom.
You sell at the bank's buy rate — so break-even = your average + spread. Cash spreads run 0.3–1.5 UAH; the NBU rate sits between. There's no tax on FX gains when exchanging cash, but FX investments (USD-denominated bonds) have different rules.
Sobre Ahorro en divisas
Ahorro en divisas — tipo medio de compra → valor actual y beneficio. Finanzas: Gestión de finanzas personales. Use nuestras herramientas sin registro ni instalación de software. Todos los cálculos se realizan en su navegador — sus datos nunca se envían a un servidor.