Do the math before you sign
Each of these calculators does one thing: it shows you the number that is missing from the advert. How much you will really pay back to the bank, how much inflation eats, what happens when you overpay. Every one has a chart, a table and an explanation of the formula - so you don't have to take our word for it.
Loan repayment
A full month-by-month repayment schedule, APR and a comparison of equal and decreasing instalments. You will see how much of your first payment is pure interest.
Calculate your instalment →Compound interest
Interest that earns its own interest. Barely noticeable in the first few years and staggering after twenty. With compounding, Poland's 19% capital gains tax ("Belka tax") and inflation.
See your money grow →Borrowing capacity
How much a bank will realistically lend you - with the KNF (Polish Financial Supervision Authority) buffer and the DSTI ratio, the way an analyst calculates it, not a salesperson.
Check your capacity →Loan overpayment
How much interest you will save and how much shorter your loan will be. Overpaying expensive debt is the best risk-free investment there is.
Calculate your savings →APR (RRSO)
The only number that lets you compare two offers fairly - because it includes the arrangement fee, insurance and all charges, not just the interest rate.
Calculate the true cost →Debt consolidation
The monthly payment goes down, but the total cost usually goes up. We show both numbers side by side, because only together do they tell the truth about what you are signing.
See what it costs →Business leasing
Operating or finance lease, the tax shield and the 2026 cost limits (PLN 100,000 / 150,000 / 225,000). The instalment is not the cost - what counts is what is left after tax.
Calculate the real cost →Leasing offer comparison
Enter three offers: instalment, down payment, buyout and fees. You will see the interest rate hidden in each of them and the real cost after tax. The lowest instalment rarely wins.
Compare offers →Inflation and real rate
Compound interest working against you. Check whether your savings deposit really earns money - or only looks as if it does.
Calculate the real rate →Not sure which one to use?
The three situations that most often bring people to us. Find yours and go step by step - the calculators are arranged so that one leads to the next.
I want to buy a flat
Start with how much a bank will lend you at all - because that number sets your budget, not the price in the listing. Then check what the instalment looks like and how much interest you will pay over 25 years. That second number can be a surprise.
I have a loan and want to pay it off faster
Work out how much interest you will save by overpaying and how much shorter your loan will be. If you have several loans and they are starting to overwhelm you, look at consolidation too - but first read how much it really costs.
I want to start saving
See what compound interest does over 20-30 years - the other side of the coin that nobody teaches you at school. Then check how much of it inflation will take, so you don't count gains that aren't there.
Done the math. What now?
A calculator shows you what it should cost. A ranking shows what it really costs - at specific lenders, ranked by APR, not by the size of the commission they pay us.