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 kapitalizację?

Tak, jeśli użytkownik wybierze kapitalizację.

Czy wynik jest netto czy brutto?

Wynik jest orientacyjny i zwykle brutto.

Czy uwzględnia podatek od zysków?

Nie, podatek trzeba uwzględnić osobno.

Bank interest calculator — deposits & capitalization

How does the calculator work?

The calculator uses simple or compound interest depending on the selected compounding frequency. Enter the annual rate from the bank offer. Result is indicative and excludes taxes and fees.

Examples

• 10,000 PLN, 9.25% p.a., 365 days → interest 925 PLN. • 10,000 PLN, 9.25% p.a., 30 days → interest approx. 76 PLN. • 50,000 PLN, 10% p.a., 90 days → interest approx. 1,233 PLN.

FAQ

What is bank interest?: It is interest accrued on balances in accounts, deposits or savings products. The amount depends on the rate and compounding rules.
What is compounding?: Compounding means adding interest to the principal so that subsequent interest is calculated on a larger amount. More frequent compounding increases the effect.
How is interest calculated with compounding?: The calculator uses compound interest based on the selected compounding frequency. The result is indicative and depends on bank offer terms.
Where to get the interest rate?: The bank provides the rate in the deposit or account offer. Enter that value in the calculator.
Does the calculator include tax (e.g. capital gains tax)?: No. The result does not include capital gains tax or bank fees.

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

The calculator applies compounding based on your selection. Result is indicative and not a bank offer.