Up to 2.5 million Russians will pay tax on deposits by the end of 2026.

About 2.5 million Russians may pay interest tax on deposits by the end of this year, experts interviewed by Izvestia believe. If the key rate does not rise above 16% by the end of the year, then those who have earned over 160 thousand rubles on deposits will be subject to the fee. To do this, deposits must contain over 1 million rubles.

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Scientists consider actual incomes to be more indicative, that is, after taxes are deducted, the authorities are working on this idea.

According to the most positive assessment, this is no more than 2-2.5 million Russians, said the financial adviser and founder of Rodin.Capital Alexey Rodin. For most, the tax will be about 700-2000 rubles, he noted.

The main driver of the popularity of deposits is positive profitability: even with declining key deposits, they generate income above the inflation rate, said Fyodor Sidorov, founder of the School of Practical Investing. The tax cannot cause a massive outflow: for most, it is zero or measured in several thousand rubles, the expert added.

In 2027, the authorities plan to receive 305.4 billion rubles from this fee. According to Natalia Milchakova, a leading analyst at Freedom Finance Global, if the average rate falls below 13% per annum this year, then in 2027 the amount of tax revenue may be slightly less (no more than 300 billion rubles).

The indicator will also be affected by the growing demand for cash. Some Russians do not trust banks, fearing blockages and checks.

Read more in the exclusive Izvestia article: A collective moment: up to 2.5 million Russians will pay tax on deposits by the end of 2026