Enter what you still owe and see how much interest you can save — and how much sooner the loan ends.
1
Your loan today
You will find these in your banking app or your last schedule.
Outstanding balance?
zł
Interest rate?
%
Payments left
years
mo
Instalment type?
Your payment works out at about 3 514 złDifferent from the bank's figure? A few złoty either way is rounding.
2
How much do you want to overpay?
Extra every month
zł / mo
Starting fromFirst overpayment: November 2026
For how longUntil the loan is paid off
3
What should change after the overpayment?
You usually choose this on the bank's overpayment form.
You pay less interestESTIMATE
about 233 659 zł
and clear the loan about 10 years 2 mo sooner — in March 2043.
Loan endsMay 2053 → Mar 2043
Future interest546 605 zł → 312 946 zł
Payment3 514 zł → 3 514 zł
Extra cash over 12 months
12 000 zł
You overpay in total
196 000 zł
Every 100 zł of overpayment is about 119 zł less interest.
LOAN BALANCE · ESTIMATE
With overpayments: zero in March 2043 instead of May 2053
As it standsWith overpayments
Hover a yearThe orange area shows how much more debt you carry without overpaying.
What do different monthly amounts do?
Click a row to recalculate with that amount. Strategy: shorter term.
OVERPAYMENTLESS INTERESTLOAN ENDSSOONER BY
The results are estimates based on what you entered, not an offer. We assume the rate stays the same to the end of the loan and that an overpayment is booked on the instalment date. Your bank may accrue interest daily and round differently.