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 pobiera aktualną stawkę?

Nie. Użytkownik podaje stawkę roczną; wynik jest orientacyjny.

Od kiedy liczy się odsetki podatkowe?

Najczęściej od dnia następującego po terminie płatności.

Czy odsetki zawsze się nalicza?

Zależy od przepisów i okoliczności, niekiedy odsetek się nie nalicza.

Tax interest calculator — arrears interest

How does the calculator work?

The calculator uses simple interest: amount × annual rate × (days / 365). You can use the statutory rate (default = NBP reference rate + 3.5 p.p.) or enter a contractual rate (e.g. from the agreement). The result is indicative; for arrears and contracts see the Civil Code and the agreement.

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 are statutory interest?: Interest under Civil Code Art. 481². The annual rate = NBP reference rate + 3.5 percentage points. They apply e.g. when the agreement does not provide for another rate or for arrears.
How do statutory and contractual interest differ?: Statutory — set by law (NBP + 3.5 p.p.), used when the agreement has no rate. Contractual — set in the agreement (e.g. loan, credit); may be higher or lower, subject to usury act limits.
How is interest calculated?: The calculator uses the simple method: amount × annual rate × (days / 365). In practice banks and agreements may use 365/365 or 360/365 — the result is indicative.
Where to get the current statutory interest rate?: The rate depends on the NBP reference rate (published by NBP). The current formula is reference rate + 3.5 p.p. Check the NBP or gov.pl website.
Does the calculator include compound interest?: No. The calculator uses simple interest (no compounding). For long periods and compound interest a different formula is needed.

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

Civil Code Art. 481² (statutory interest). The calculator uses simple interest; the rate may change (NBP). For contracts and arrears check the agreement and regulations.