Do the maths before you sign.
Monthly payment, APR (RRSO in Poland), borrowing capacity and compound interest - all calculated honestly and explained from the ground up. Even when the result is inconvenient.
What will your monthly payment be?
Calculators
Each one explains its formula. Because a number you don't understand is just a number.
Compound interest
See how interest starts earning interest of its own. With a chart, the rule of 72 and an explanation of why time beats the size of your contributions.
Loan repayment
A full repayment schedule, fixed versus declining instalments, APR and the total cost of the loan.
Borrowing capacity
How much a bank may lend you - with the KNF (Polish Financial Supervision Authority) buffer and an explanation of why an unused credit card lowers your borrowing capacity.
Loan overpayment
How much you save by overpaying. Shorten the term or lower the payment - calculated side by side.
APR (RRSO)
The only number you should compare. See what a "0% loan" really costs.
Inflation
Compounding works against you too. Check whether your savings deposit really earns money or only pretends to.
PLN 500 a month. 30 years. PLN 610k.
Only PLN 180,000 comes out of your pocket. The rest - over PLN 429,000 - is made by interest that started earning interest of its own.
It is not a trick or a promise of returns. It is a formula we explain step by step: where it comes from, why the curve bends upwards and why ten years of delay costs more than tripling your contributions.
Calculate your scenarioWhy you can trust us
We earn commissions from banks. We say so openly - and show what follows from it.
Ranked by APR, not by commission
We sort offers by their real cost to you. How much we earn from a given bank has no effect on the order - and never will.
Formulas shown openly
Every calculator shows the formula it uses. You can check us in Excel - and we encourage you to.
We also tell you when not to borrow
Consolidation usually raises the total cost. Extending the term is a trap. We write about it, even though we don't earn a penny from articles like that.
Ready to compare offers?
One application, several offers. At this stage we don't check BIK and we don't submit an application to a bank.