Loan payment calculator
Compare equal and decreasing payments using the same loan assumptions.
Sources and adopted values
Calculation schedule
| Month | Principal | Interest | Fees | Payment | Balance |
|---|---|---|---|---|---|
| Fill in the fields above — the result is computed on this page. | |||||
The table shows the calculation period by period using the assumptions entered above.
How do I use this page?
- Enter values from your current offer, agreement or official documents.
- Choose the options that match your actual situation.
- Calculate the result and compare the detailed components.
What this page does not do: The result is an estimate based on monthly periods and a constant rate. Contract dates and bank rounding may change actual amounts.
Further reading
Theory — how are loan instalments calculated?
The loan payment calculator shows the instalment amount, total loan cost and repayment schedule based on the loan amount, interest rate and term. An equal instalment is calculated with the annuity formula and stays roughly the same throughout the term, while a decreasing instalment has a fixed capital portion, so it starts higher and gradually falls. The monthly rate is the nominal interest rate divided by 12. The tool does not fetch current WIBOR, WIRON rates or bank offers — you enter the terms yourself.
Frequently asked questions
What does the loan payment calculator include?
Is this result exact?
Which values should I enter?
Can I use the result to compare scenarios?
See also
Mortgage calculator Poland
Calculate a mortgage payment, LTV, interest, commission, recurring fees and a higher-rate scenario.
Loan overpayment calculator
Estimate interest savings from a one-off or regular loan overpayment and compare the two repayment strategies.
Loan refinancing calculator
Compare the remaining cost of a current loan with refinancing costs, payment and estimated break-even time.