Financial Calculators
Twelve calculators for loans, savings and salary — installment, APR, creditworthiness, mortgage, consolidation, overpayment, car loan, leasing, deposit with Belka tax, PPK, inflation and gross-to-net pay. All free, no sign-up.
In short
kreddo.pl calculators compute your installment, APR, borrowing capacity, mortgage cost, consolidation savings and after-tax deposit profit. They run in your browser, require no sign-up or personal data, and the results are for information purposes.
Loans
8 calculators Installment Calculator Monthly installment, total cost and total interest. For cash or mortgage loans. Open → 
APR Calculator True annual percentage rate with commission and fees — per the Consumer Credit Act. Open → 
Creditworthiness Calculator Your borrowing capacity: income, DSTI 50%, dependents, card limits. Open → 
Mortgage Calculator Equal vs decreasing installments, LTV, commissions. 20–35 year simulation. Open → 
Consolidation Calculator Add your debts — check monthly savings and total cost difference. Open → Overpayment Calculator See how much interest you save by shortening the term or lowering the instalment. Open → 
Car Loan Calculator Monthly instalment with an optional balloon payment for financing a car. Open → Leasing Calculator Net leasing instalment, total cost with buyout and deductible VAT. Open → Calculate first, decide later
Before you apply, check the installment and APR — the best way to compare offers and avoid an overpriced loan.
Savings
3 calculators
Deposit Calculator (Belka tax) Net profit after 19% Belka tax. Monthly or end-of-term capitalization. Open → PPK Calculator Total accumulated in the employee capital plan from all three contributions. Open → 
Inflation Calculator How much purchasing power your money has lost, based on GUS CPI data. Open → Real profit is after-tax profit
Interest earned in Poland is subject to the 19% Belka tax. Our calculator shows the net amount right away — what actually stays in your pocket.
Salary & taxes
1 calculator Salary Calculator Gross-to-net take-home pay across every contract type, with ZUS and PIT breakdown. Open → Know what really lands in your account
Gross pay says little — ZUS, health and PIT deductions differ by contract type. See your net take-home pay and the full employer cost.
Why calculate before deciding?
The installment alone says nothing about whether a loan is cheap. Only the APR and total cost show what you will really pay — two offers with identical installments can differ by thousands of złoty. The same goes for savings: what matters is the profit after Belka tax, not the headline rate. Run both scenarios before you sign. Calculator results are for information purposes — the final terms are confirmed by the bank.