BEHIND THE NUMBERS
How this calculation works
Worked example
Focused original mode: RUB 3 million produces NDFL 402,000. After a 400,000 deduction the 2.6 million base produces 342,000, so the estimated refund is 60,000.
Example result: RUB 60,000.00
What the expanded calculation includes
Calculate IIS contribution refunds or project the portfolio, fees and closure tax for legacy type A/B and IIS-3 accounts.
How to read the result
For each projection year add the deposit at the chosen time, apply the assumed return, then the fee on the portfolio after growth. At closure apply the legacy A/B or IIS-3 gain exemption and 13%/15% securities-gain tax. Add eligible annual refunds held outside the account; IIS-3 contributions receive no deduction in the final closure year.
Assumptions and rounding
- Use the jurisdiction, tax year and provider tariff shown on this page. The result states the exact supported scenario.
- Only facts relevant to the selected mode enter the calculation. An unchanged historical input object continues to use the focused original method.
Questions about this calculator
What does the expanded mode calculate?
Calculate IIS contribution refunds or project the portfolio, fees and closure tax for legacy type A/B and IIS-3 accounts.
What is the focused original mode?
It retains the narrower calculation used by the worked example below. Expanded mode adds the calculations described above and displays its own intermediate amounts and limitations.
Is the result a guaranteed award or payable quotation?
No. Review the stated scope, date and input assumptions. The tool calculates the supported published formula; provider acceptance, unsupported exceptions and administrative adjustments are not inferred.