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 pełne RRSO?

Nie w pełnym zakresie. Kalkulator pokazuje ratę i odsetki; pełne RRSO uwzględnia opłaty banku.

Czy kredyt gotówkowy ma zawsze raty równe?

Nie. Wiele ofert pozwala na raty równe lub malejące.

Czy wcześniejsza spłata obniża koszt?

Tak, zwykle obniża sumę odsetek, ale mogą obowiązywać opłaty umowne.

Cash loan calculator — instalment and cost

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

How does the calculator work?

Calculates fixed (annuity) and decreasing instalments. Choose the instalment type, enter amount, term and rate from the bank offer. Result is indicative and excludes fees and insurance.

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% → fixed instalment ~1,110 PLN, decreasing first instalment ~1,333 PLN. • 200,000 PLN, 240 months, 7% → fixed instalment ~1,551 PLN. Rate from bank offer.

FAQ

What is fixed vs decreasing instalment?: Fixed instalment stays similar throughout the term, decreasing instalment starts higher and drops over time. The calculator lets you choose the type.
Where to get the interest rate?: The bank provides the rate in the offer or simulation. Enter that value. The calculator does not include fees or insurance.
Does the calculator include insurance and fees?: No. It shows instalments and interest based on amount and rate. Additional costs depend on the bank.
Which instalment type is better?: Decreasing instalments usually mean lower total interest but higher payments at the start. Fixed instalments are easier to budget. Choice depends on your situation.

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.