Mortgage calculator for Poland

Start with four numbers. Costs, tranches and overpayments come further down — only if they apply to you.

Price of the property
zł
Down payment25.0% of the price
zł
Repayment term30 years
Interest rateannual, margin included
%
Type of rate
Fixed for
Instalments
You borrow 600 000 zł
LTV 75.0%
80%
IN MORE DETAIL — OPTIONAL
Switch on only what is in your offer. Without these we calculate the instalment and interest alone.
Overpayments
See how much interest you could save.
Monthly paymentESTIMATE
3 675 zł
principal 575 złinterest 3 100 zł
You repay in total224% of the loan
1 342 633 zł
Principal600 000.00 zł
Interest722 932.99 zł
Costs around the loan19 700.00 zł
Final payment
November 2056
Number of payments
360
After 5 years we calculate at 6.20%. That is an assumption — change it under “Interest rate — details”.
SCHEDULE · ESTIMATE

Dec 2026 – Nov 2056

PrincipalInterestCosts
Hover a yearThe early years are mostly interest — the principal share grows over time.
What you pay the bank each year · click a year to see the months
020 tys.40 tys.60 tys.2026202820302032203420362038204020422044204620482050205220542056
Left to repay
0500 tys.1 000 tys.
Click a year to open up the months.
DATEINSTALMENTPRINCIPALINTERESTCOSTSLEFT
2026 · 1 mies.3 674.81 zł574.81 zł3 100.00 zł1 140.00 zł599 425.19 zł
202744 097.77 zł7 133.86 zł36 963.90 zł640.00 zł592 291.32 zł
202844 097.77 zł7 588.95 zł36 508.82 zł640.00 zł584 702.37 zł
202944 097.77 zł8 073.07 zł36 024.70 zł640.00 zł576 629.31 zł
203044 097.77 zł8 588.07 zł35 509.70 zł640.00 zł568 041.24 zł
203144 097.77 zł9 135.92 zł34 961.84 zł640.00 zł558 905.32 zł
203244 097.77 zł9 718.73 zł34 379.04 zł640.00 zł549 186.59 zł
203344 097.77 zł10 338.71 zł33 759.06 zł640.00 zł538 847.88 zł
203444 097.77 zł10 998.24 zł33 099.52 zł640.00 zł527 849.64 zł
203544 097.77 zł11 699.85 zł32 397.92 zł640.00 zł516 149.79 zł
203644 097.77 zł12 446.21 zł31 651.56 zł640.00 zł503 703.58 zł
203744 097.77 zł13 240.19 zł30 857.58 zł640.00 zł490 463.39 zł
203844 097.77 zł14 084.81 zł30 012.96 zł640.00 zł476 378.58 zł
203944 097.77 zł14 983.32 zł29 114.45 zł640.00 zł461 395.27 zł
204044 097.77 zł15 939.14 zł28 158.63 zł640.00 zł445 456.13 zł
204144 097.77 zł16 955.94 zł27 141.83 zł640.00 zł428 500.19 zł
204244 097.77 zł18 037.60 zł26 060.17 zł640.00 zł410 462.59 zł
204344 097.77 zł19 188.26 zł24 909.50 zł640.00 zł391 274.32 zł
204444 097.77 zł20 412.33 zł23 685.43 zł640.00 zł370 861.99 zł
204544 097.77 zł21 714.49 zł22 383.28 zł640.00 zł349 147.50 zł
204644 097.77 zł23 099.71 zł20 998.06 zł640.00 zł326 047.79 zł
204744 097.77 zł24 573.30 zł19 524.47 zł640.00 zł301 474.50 zł
204844 097.77 zł26 140.89 zł17 956.88 zł640.00 zł275 333.60 zł
204944 097.77 zł27 808.48 zł16 289.28 zł640.00 zł247 525.12 zł
205044 097.77 zł29 582.46 zł14 515.31 zł640.00 zł217 942.66 zł
205144 097.77 zł31 469.60 zł12 628.17 zł640.00 zł186 473.06 zł
205244 097.77 zł33 477.12 zł10 620.64 zł640.00 zł152 995.94 zł
205344 097.77 zł35 612.71 zł8 485.05 zł640.00 zł117 383.23 zł
205444 097.77 zł37 884.54 zł6 213.23 zł640.00 zł79 498.69 zł
205544 097.77 zł40 301.29 zł3 796.48 zł640.00 zł39 197.40 zł
2056 · 11 mies.40 422.95 zł39 197.40 zł1 225.56 zł0.00 zł0.00 zł
Total1 322 932.99 zł600 000.00 zł722 932.99 zł19 700.00 zł—

The results are estimates based on what you entered and are not an offer. Interest is charged monthly (the annual rate ÷ 12). After the fixed period we assume the reference rate and margin you entered. Your bank's schedule may differ, not least because of the number of days in a month.