RRSO (Rzeczywista Roczna Stopa Oprocentowania) pokazuje pełny roczny koszt kredytu w procentach. Uwzględnia nie tylko odsetki, ale też prowizje i część opłat.

Czy RRSO to to samo co oprocentowanie nominalne?

Nie. Oprocentowanie nominalne dotyczy samych odsetek. RRSO zwykle jest wyższe, bo obejmuje dodatkowe koszty oferty.

Dlaczego wynik jest orientacyjny?

Banki mogą stosować różne harmonogramy i zasady naliczania kosztów dodatkowych. Kalkulator korzysta z modelu uproszczonego (stała rata i opłaty wejściowe).

Jak porównywać oferty kredytu?

Najpierw porównuj RRSO dla tej samej kwoty i okresu, a potem sprawdzaj łączną kwotę do spłaty i warunki dodatkowe (ubezpieczenia, wcześniejsza spłata, opłaty).

Prawopro

APR (RRSO) calculator — compare loan cost

Estimate APR for a loan and compare offers on equal assumptions: amount, instalment, term, commission and fees.

How does the calculator work?

The calculator estimates APR (RRSO) with an IRR cash-flow model: you receive net amount (loan amount minus commission and upfront fees), then repay a fixed monthly instalment. The result is indicative and best used to compare offers on equal assumptions.

Conditions and limitations

• Simplified model: fixed instalment, upfront commission and one-time fees.
• Does not include conditional costs (optional insurance, bundled products, default fees).
• Actual APR from the bank offer may differ from calculator output.

Examples

• 100,000 PLN loan, 60 instalments of 2,100 PLN, 2% commission -> estimated APR around 10-11%. • Two offers with the same instalment: higher commission usually means higher APR. • Shorter term with similar monthly instalment usually lowers total cost.

FAQ

What is APR (RRSO)?: APR (RRSO) shows the full yearly cost of a loan as a percentage. It includes more than interest, including selected fees and commission.
Is APR the same as nominal interest rate?: No. Nominal rate mostly reflects interest only. APR is usually higher because it includes additional offer costs.
Why is the result indicative?: Banks can use different schedules and fee rules. The calculator uses a simplified model to compare offers.
How to compare loan offers properly?: Compare APR and total cost for the same amount and term. Also check early repayment terms, insurance, commission and extra charges.

Legal basis

As of: 2026-02-18.

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

Polish Consumer Credit Act (APR and information duties). This calculator is indicative and is not a credit offer.