Interest on a cash balance

If a savings account or deposit pays interest, give its cash holding the rate and Skarbfolio shows the payouts to expect. Nothing is booked automatically — you record each payout when it arrives, so the balance always matches your bank's.

1. In Holdings, open the cash row's menu (⋯) and choose Edit holding.
2. Tick Interest on balance (in the mobile app, tap Interest on balance) and fill in:
   • Rate, % a year — what your bank pays.
   • Starts — the day the rate applies from.
   • Payout — Monthly, Quarterly or Yearly.
   • Day of month — when it's paid. A day past the end of a shorter month (31 in February) moves to that month's last day.
   • Tax, % (optional) — what's withheld from each payout.
3. Save. The row now shows the rate, e.g. "3.0% a year".

You can also give a rate straight away when adding cash: the Rate, % a year field there sets up monthly payouts on the day of the date you enter. Change the schedule later as above.

Recording a payout

The holding's own page has an Interest on balance card: the rate, what you've Received so far and the payout Expected next.

1. Click Record interest.
2. The transaction form opens as Interest, with the amount after tax and the date it was due filled in (today, if that's still ahead); the tax is under Tax withheld.
3. Correct anything that differs from your statement and save.

Edit on the card changes the terms or turns interest off.

How the expected amount is worked out

Today's balance × the annual rate ÷ payouts a year, less tax. For example, 4,500 at 3% a year, paid monthly, is 11.25 before tax and 8.66 after 23% tax. It's an estimate on the current balance, not a statement — which is why you confirm each payout yourself.

Expected payouts also show under Upcoming income on Overview and on Income, where interest has its own color. Once you record a payout it moves from expected to received.