Jak obliczyć ratę kredytu?

Rata miesięczna zależy od kwoty kredytu, oprocentowania i okresu spłaty. Użyj kalkulatora kredytu, by obliczyć ratę, odsetki i całkowity koszt.

Czy kalkulator uwzględnia odsetki z lokaty?

Nie. Pokazuje wyłącznie wpływ inflacji na realną wartość kapitału.

Czy inflacja w kalkulatorze jest stała co roku?

Tak, to model uproszczony ze stałą roczną stopą inflacji.

Skąd brać założenie inflacji?

Z danych GUS/NBP albo z własnego konserwatywnego scenariusza.

Inflation and purchasing power calculator

See how much your savings will be worth in a few years at a given inflation rate. Purchasing power in today's złoty.

How does the calculator work?

Shows the purchasing power of your savings after a chosen number of years at a given annual inflation rate. Formula: real value = amount ÷ (1 + inflation%)^years. The result is the equivalent in "today's" zloty — how much you could buy. The calculator is indicative; inflation varies in practice.

Conditions and limitations

• We assume a constant annual inflation rate — in reality inflation varies.
• The calculator does not include deposit interest or other investments.
• The result is for information only — not investment advice.

Examples

• 100,000 PLN, 5% inflation, 10 years → purchasing power approx. 61,391 PLN (loss approx. 38,609 PLN). • 50,000 PLN, 3% inflation, 5 years → purchasing power approx. 43,130 PLN. • 0% inflation → purchasing power = amount (no change).

FAQ

What is purchasing power?: Purchasing power is the real value of money — how much goods and services you can buy with it. With inflation, the same amount in a few years has lower purchasing power (you can buy less).
Where to get the inflation figure?: The calculator uses an indicative annual inflation rate (e.g. from GUS or NBP forecasts). In practice inflation changes year to year — the result is illustrative.
Does the calculator include deposit interest?: No. It only shows the effect of inflation on purchasing power. If savings are in a deposit or investment, real gain is (interest − inflation). You can calculate that separately.
Why calculate purchasing power?: To see how much your savings will be worth in the future in today's zloty. It helps with planning spending and choosing how to save.

Sources

As of: 2026-02-01.

Legal information

Calculations are for information and estimation only. They do not constitute legal, tax or other professional advice. For individual matters, consultation with a lawyer, tax adviser or other specialist is recommended.

Legal basis

The calculator is for information only; it does not constitute investment or legal advice.