Car Loan Calculator — July 2026
Calculate your monthly car loan instalment, total cost and interest — with an optional balloon payment.
monthly instalment
PLN 1,329
- Loan amount
- PLN 64,000
- Total cost
- PLN 79,712
- Total interest
- PLN 15,712
Calculation for equal instalments, excluding commission and insurance — the bank’s APR will be higher than the nominal rate. Compare offers by APR.
Repayment schedule (excerpt)
| Month | Installment | Interest | Principal | Remaining |
|---|---|---|---|---|
| 1 | PLN 1,329 | PLN 480 | PLN 849 | PLN 63,151 |
| 2 | PLN 1,329 | PLN 474 | PLN 855 | PLN 62,297 |
| 3 | PLN 1,329 | PLN 467 | PLN 861 | PLN 61,435 |
| 4 | PLN 1,329 | PLN 461 | PLN 868 | PLN 60,567 |
| 5 | PLN 1,329 | PLN 454 | PLN 874 | PLN 59,693 |
| 6 | PLN 1,329 | PLN 448 | PLN 881 | PLN 58,812 |
| 7 | PLN 1,329 | PLN 441 | PLN 887 | PLN 57,925 |
| 8 | PLN 1,329 | PLN 434 | PLN 894 | PLN 57,031 |
| 9 | PLN 1,329 | PLN 428 | PLN 901 | PLN 56,130 |
| 10 | PLN 1,329 | PLN 421 | PLN 908 | PLN 55,222 |
| 11 | PLN 1,329 | PLN 414 | PLN 914 | PLN 54,308 |
| 12 | PLN 1,329 | PLN 407 | PLN 921 | PLN 53,387 |
| … | … | … | … | … |
| 60 | PLN 1,329 | PLN 10 | PLN 1,319 | PLN 0 |
For a PLN 64,000 loan over 60 months at 9.0%, equal instalments.
How to use the car loan calculator?
Enter the car price, your down payment, the repayment period and the interest rate. Optionally add a balloon payment to lower your monthly instalment. The calculator shows the instalment, loan amount, total cost and total interest, plus a repayment schedule excerpt.
Często zadawane pytania
How is a car loan instalment calculated?
The equal instalment uses the annuity formula on the amount financed (car price minus down payment). If you add a balloon payment, the instalment is reduced because part of the principal is deferred to a single lump sum at the end.
What is a balloon payment?
A balloon payment is a large final instalment — a percentage of the car price paid in one lump sum at the end of the loan. It lowers your monthly instalment but you must repay (or refinance) the balloon amount at the end.
Does the calculator show the APR?
No — it uses the nominal interest rate. The bank’s APR will be higher because it includes commission and insurance. Always compare offers by APR, not the nominal rate.
How much down payment do I need?
It depends on the lender, but a higher down payment reduces the amount financed and therefore the total interest. Move the slider to see the effect on your instalment.
