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 prowizję banku za nadpłatę?

Nie, opłaty zależą od umowy i banku.

Co bardziej się opłaca: skrócić okres czy obniżyć ratę?

To zależy od celu i warunków kredytowych.

Czy wynik jest ostatecznym harmonogramem bankowym?

Nie, to estymacja do planowania.

Loan prepayment calculator

Estimate loan prepayment impact and potential interest savings.

How does the calculator work?

The calculator estimates one-off loan prepayment effects in two modes: keep instalment and shorten tenor, or keep tenor and lower instalment.

Assumptions

Indicative annuity model for one-off prepayment. Contract fees, bank policy and additional charges are not included.

Examples

• Remaining principal 320,000 PLN, 240 months, 8.2%, prepayment 30,000 PLN. • Compare two modes: shorter tenor vs lower monthly instalment.

FAQ

Does calculator include bank prepayment fee?: No, fee policy depends on contract and bank.
Which mode is better?: It depends on goal: lower monthly burden or faster debt-free date.
Is this final repayment schedule?: No, it is an estimate and should be checked against bank recalculation.

Legal basis

As of: 2026-02-19

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

Informational tool only. Final loan terms after prepayment depend on contract and lender rules.