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 leasingu pokazuje finalną ofertę leasingodawcy?

Nie. Pokazuje szacunek; finalne warunki i opłaty określa konkretna umowa.

Co najmocniej wpływa na wysokość raty?

Okres umowy, opłata wstępna, marża finansującego i wartość wykupu.

Czy leasing zawsze jest korzystniejszy od kredytu?

Nie zawsze. To zależy od kosztu finansowania, podatków i sposobu użytkowania pojazdu.

Car leasing calculator — instalment & total cost

Calculate monthly leasing instalment and total cost of the agreement.

How does the calculator work?

Estimates the monthly instalment and total cost of a leasing agreement (instalments + buyout). Leasing companies and banks use different rates and margins — enter data from your chosen offer. Buyout value is the amount due at the end (e.g. 20% of value). Simplified model — no VAT or extra fees. Result is indicative.

Conditions and limitations

• Interest and margin depend on the leasing company or bank — enter data from the offer.
• We do not include VAT (e.g. 23% for companies), insurance or extra fees.
• The actual instalment and APRC are in the company offer.

Examples

• Value 80,000 PLN, buyout 16,000 PLN (20%), 36 months, 8% → instalment approx. 2,010 PLN, total instalments + buyout. • Value 60,000 PLN, buyout 12,000 PLN, 24 months, 0% → 2,000 PLN (principal only). Interest from company offer.

FAQ

What is the buyout value?: The amount to pay at the end of the leasing agreement if you want to own the vehicle. Often approx. 10–20% of the vehicle value. Enter the value from the leasing company offer.
Where to get the interest rate?: The leasing company or bank gives the rate (margin + reference rate) in the offer. Each institution has different terms — enter the value from your chosen offer. The calculator does not compute APRC.
Does the calculator include VAT?: No. The model is simplified — it does not include VAT (e.g. 23% for companies), insurance or extra fees. The actual instalment and cost are in the leasing company offer.
Leasing vs loan — which to choose?: It depends on your situation (company vs individual, tax, preferences). The calculator is for estimating the leasing instalment; comparing with a loan requires a separate analysis of offers.

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

Leasing — Civil Code (lease, contracts), accounting act. Each leasing company and bank has different rates; the calculator gives an indicative result. Check the actual instalment and APRC in the chosen institution's offer.