Mortgage refinancing calculator for Poland

Compare your current loan with another offer — switching costs included. You see the difference in the payment, when the costs could pay for themselves and how it adds up by the end.

Your current loan
From your banking app or your last schedule.
Outstanding balance
zł
Rate today
%
Payments left
years
mo
Instalment type
Your payment works out at about 3 786 złDifferent from the bank's figure? A few złoty either way is rounding.
The new offer
Enter the terms from the offer, or rough ones — this is only a comparison.
Bank — optional
Rate on the offer
%
0.64 pp lower than today
Term of the new loan
Switching costs
Switch on the ones that apply to the offer. We suggest typical amounts.
Total
1 100 zł
% of the loan
0 zł
zł
zł
How you pay the costs
You pay 1 100 zł up front. The new loan equals your current balance.
Difference in the paymentESTIMATE
−213 zł / mo
Under the assumptions you entered. The switching costs (1 100 zł) would pay for themselves after about 6 mo.
Payment3 786 zł → 3 573 zł
Loan endsMay 2049 → May 2049
Total with costs1 025 941 zł → 969 309 zł
How much less or more you pay with the new offer
Switching costs included
After 1 year
1 456 zł
less
After 5 years
11 682 zł
less
To the end
56 631 zł
less
This compares numbers, it is not a recommendation. Check the margin after the fixed period too, and the products the bank requires.
DIFFERENCE OVER TIME · ESTIMATE

By the end: about 56 631 zł less with the new offer

The new offer works out cheaperThe new offer works out pricier
Hover a yearThe line shows how much less (above zero) or more (below zero) you pay in total with the new offer.
−20 tys.0+20 tys.+40 tys.+60 tys.costs pay for themselves: Apr 202720282030203220342036203820402042204420462048
What if the offer had a different rate?
Click a row to recalculate at that rate. The switching costs stay the same.
RATEPAYMENTDIFFERENCE / MOCOSTS PAY BACKBY THE END

The results are estimates based on what you entered and are neither an offer nor a recommendation. We assume the rate on your current loan stays the same to the end, and the offer's rate follows your assumption. Costs of add-on products are not included unless you enter them.