{"data":{"id":"real-deposit-rate","seriesId":"finwire_real_deposit_rate_barometer","ref":"/v1/index/real-deposit-rate","title":"Barometr opłacalności lokat","value":0.73,"unit":"pp","valueFormat":"pp","gauge":55,"gaugeBand":"b3","gaugeLabel":"Lepiej niż w 55% miesięcy od 2015 r.","deltaMom":0.58,"deltaMomPct":386.67,"direction":"up","goodWhenHigh":true,"asOf":"2026-10-01","history":{"since":"2015-01","current":0.73,"best":{"month":"2015-02","value":4.51},"worst":{"month":"2023-02","value":-9.9},"betterThanPct":55},"pageUrl":"https://finwire.pl/barometr-oplacalnosci-lokat","delta":{"mom":0.58,"momPct":386.67,"yoy":-1.27,"yoyPct":-63.5},"seriesLabel":"Realne oprocentowanie lokaty po podatku Belki i inflacji CPI","seriesUnit":"pp","series":[{"month":"2015-01","value":4.3},{"month":"2015-02","value":4.51},{"month":"2015-03","value":3.99},{"month":"2015-04","value":3.57},{"month":"2015-05","value":3.36},{"month":"2015-06","value":3.26},{"month":"2015-07","value":3.15},{"month":"2015-08","value":3.05},{"month":"2015-09","value":3.26},{"month":"2015-10","value":3.15},{"month":"2015-11","value":3.05},{"month":"2015-12","value":2.94},{"month":"2016-01","value":3.36},{"month":"2016-02","value":3.26},{"month":"2016-03","value":3.36},{"month":"2016-04","value":3.57},{"month":"2016-05","value":3.36},{"month":"2016-06","value":3.26},{"month":"2016-07","value":3.36},{"month":"2016-08","value":3.26},{"month":"2016-09","value":2.94},{"month":"2016-10","value":2.64},{"month":"2016-11","value":2.43},{"month":"2016-12","value":1.62},{"month":"2017-01","value":0.72},{"month":"2017-02","value":0.23},{"month":"2017-03","value":0.42},{"month":"2017-04","value":0.42},{"month":"2017-05","value":0.52},{"month":"2017-06","value":0.92},{"month":"2017-07","value":0.72},{"month":"2017-08","value":0.62},{"month":"2017-09","value":0.23},{"month":"2017-10","value":0.32},{"month":"2017-11","value":-0.07},{"month":"2017-12","value":0.32},{"month":"2018-01","value":0.52},{"month":"2018-02","value":1.02},{"month":"2018-03","value":1.12},{"month":"2018-04","value":0.82},{"month":"2018-05","value":0.72},{"month":"2018-06","value":0.42},{"month":"2018-07","value":0.42},{"month":"2018-08","value":0.42},{"month":"2018-09","value":0.52},{"month":"2018-10","value":0.62},{"month":"2018-11","value":1.12},{"month":"2018-12","value":1.32},{"month":"2019-01","value":1.72},{"month":"2019-02","value":1.22},{"month":"2019-03","value":0.72},{"month":"2019-04","value":0.23},{"month":"2019-05","value":0.03},{"month":"2019-06","value":-0.17},{"month":"2019-07","value":-0.46},{"month":"2019-08","value":-0.46},{"month":"2019-09","value":-0.17},{"month":"2019-10","value":-0.07},{"month":"2019-11","value":-0.17},{"month":"2019-12","value":-0.94},{"month":"2020-01","value":-1.79},{"month":"2020-02","value":-2.17},{"month":"2020-03","value":-2.46},{"month":"2020-04","value":-1.72},{"month":"2020-05","value":-1.56},{"month":"2020-06","value":-1.94},{"month":"2020-07","value":-1.65},{"month":"2020-08","value":-1.56},{"month":"2020-09","value":-1.84},{"month":"2020-10","value":-1.75},{"month":"2020-11","value":-1.65},{"month":"2020-12","value":-1.08},{"month":"2021-01","value":-1.27},{"month":"2021-02","value":-1.08},{"month":"2021-03","value":-1.84},{"month":"2021-04","value":-2.88},{"month":"2021-05","value":-3.25},{"month":"2021-06","value":-2.97},{"month":"2021-07","value":-3.53},{"month":"2021-08","value":-3.98},{"month":"2021-09","value":-4.35},{"month":"2021-10","value":-4.85},{"month":"2021-11","value":-5.17},{"month":"2021-12","value":-5.49},{"month":"2022-01","value":-5.82},{"month":"2022-02","value":-4.66},{"month":"2022-03","value":-6.26},{"month":"2022-04","value":-6.71},{"month":"2022-05","value":-7.4},{"month":"2022-06","value":-8.16},{"month":"2022-07","value":-7.89},{"month":"2022-08","value":-8.29},{"month":"2022-09","value":-8.97},{"month":"2022-10","value":-9.51},{"month":"2022-11","value":-9.21},{"month":"2022-12","value":-8.51},{"month":"2023-01","value":-8.51},{"month":"2023-02","value":-9.9},{"month":"2023-03","value":-8.11},{"month":"2023-04","value":-6.99},{"month":"2023-05","value":-5.59},{"month":"2023-06","value":-4.32},{"month":"2023-07","value":-3.72},{"month":"2023-08","value":-3.1},{"month":"2023-09","value":-1.96},{"month":"2023-10","value":-0.68},{"month":"2023-11","value":-0.68},{"month":"2023-12","value":-0.31},{"month":"2024-01","value":2.09},{"month":"2024-02","value":2.99},{"month":"2024-03","value":3.8},{"month":"2024-04","value":3.39},{"month":"2024-05","value":3.29},{"month":"2024-06","value":3.19},{"month":"2024-07","value":1.61},{"month":"2024-08","value":1.51},{"month":"2024-09","value":0.93},{"month":"2024-10","value":0.83},{"month":"2024-11","value":1.12},{"month":"2024-12","value":1.12},{"month":"2025-01","value":0.93},{"month":"2025-02","value":0.93},{"month":"2025-03","value":0.93},{"month":"2025-04","value":1.51},{"month":"2025-05","value":1.41},{"month":"2025-06","value":1.31},{"month":"2025-07","value":2.1},{"month":"2025-08","value":2.3},{"month":"2025-09","value":2.1},{"month":"2025-10","value":2},{"month":"2025-11","value":2.1},{"month":"2025-12","value":2.01},{"month":"2026-01","value":2.31},{"month":"2026-02","value":2.31},{"month":"2026-03","value":1.22},{"month":"2026-04","value":1.02},{"month":"2026-05","value":1.12},{"month":"2026-06","value":1.71},{"month":"2026-07","value":1.22},{"month":"2026-08","value":0.82},{"month":"2026-09","value":0.15},{"month":"2026-10","value":0.73}],"methodology":[{"term":"Inflacja CPI","definition":"roczny wskaźnik cen towarów i usług konsumpcyjnych (GUS, publikacja około 15-tego każdego miesiąca)"},{"term":"Seria historyczna","definition":"historię odtwarzamy ze stopy referencyjnej NBP plus bieżący spread najlepszej lokaty nad tą stopą (1,5%), bo banki nie udostępniają archiwum stawek lokat"},{"term":"Podatek Belki","definition":"od odsetek odejmujemy 19-procentowy podatek od zysków kapitałowych - lokata 5% daje 4,05% po podatku; przed podatkiem realny zysk najlepszej lokaty wynosi 1,69%"},{"term":"Pozycja w historii","definition":"bieżący odczyt porównujemy z każdym miesiącem od stycznia 2015 policzonym tym samym modelem: podajemy najlepszy i najgorszy miesiąc, odsetek miesięcy z gorszym wynikiem oraz od kiedy nie było tak dobrze (albo tak źle)"},{"term":"Identyfikator","definition":"finwire_real_deposit_rate_barometer (wersja metody 2)"}],"source":"finwire.pl - ranking lokat (SP) + stopa referencyjna NBP + inflacja CPI GUS"},"meta":{"datasetId":"real-deposit-rate","source":"finwire.pl (deposit offers + CPI GUS)","sourceUrl":"https://finwire.pl/barometr-oplacalnosci-lokat","license":"finwire.pl indicator (CC BY 4.0). Source data: GUS.","asOf":"2026-10-01","fetchedAt":"2026-11-07T01:56:15.422Z","citation":"Source: finwire.pl (finwire.pl (deposit offers + CPI GUS)), https://public-api.finwire.pl/datasets/real-deposit-rate","docsUrl":"https://public-api.finwire.pl/datasets/real-deposit-rate"}}