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 pokazuje RRSO bankowe?

Nie w pełnym zakresie bankowym. Kalkulator pokazuje ratę i koszt odsetek; pełne RRSO z opłatami podaje bank.

Która opcja jest zwykle tańsza: rata stała czy malejąca?

Często malejąca, ale wymaga wyższych rat na początku i lepszej zdolności kredytowej.

Czy wcześniejsza spłata obniża koszt?

Tak. Zwykle obniża sumę odsetek, ale umowa może przewidywać opłatę/prowizję.

Loan calculator — instalment, APR, cost

Calculate monthly loan instalment, interest and total cost. Enter amount, term and interest rate.

How does the calculator work?

Calculates the annuity (fixed) instalment — the formula is the same for all banks. Each bank sets interest and APRC differently; enter the value from your chosen offer. The calculator does not include insurance or fees — the result is indicative. Check the bank offer.

Conditions and limitations

• Payment is calculated by the annuity formula; banks may also offer decreasing instalments.
• We do not include insurance, fees or APRC — full cost is in the bank offer.
• Interest depends on the offer (WIBOR + margin) — enter the value from the simulation or offer.

Examples

• 100,000 PLN, 120 months, 6% → payment approx. 1,110 PLN, total interest approx. 33,200 PLN. • 200,000 PLN, 240 months, 7% → payment approx. 1,551 PLN. Interest from bank offer.

FAQ

What is an annuity (fixed) instalment?: It is a fixed payment — you pay the same amount each month. At the start most of it is interest, later — principal. The formula is the same for all banks; interest and APRC differ, so the actual payment depends on the offer.
Where to get the interest rate?: The bank gives the rate (WIBOR + margin) in the offer or simulation. Enter that value. The calculator does not compute APRC or include insurance and fees — the result is indicative.
Does the calculator include insurance and fees?: No. It only shows the instalment on the loan amount at the given rate. The bank offer adds e.g. insurance, fees — APRC shows the full cost.
Fixed or decreasing instalment?: This calculator uses a fixed (annuity) instalment. With decreasing instalments the amount changes (higher at the start). The bank will state the type in the offer.

Legal basis

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

Loan — banking law, consumer credit act (APRC). Payment calculated by annuity formula; each bank has different interest, fees and insurance — result is indicative. Check the bank offer.