Loan Instalment Calculator — July 2026
Calculate your monthly instalment and total loan cost.
Monthly installment
PLN 1,588
- Total cost
- PLN 57,156
- Total interest
- PLN 7,156
Repayment schedule (excerpt)
| Month | Installment | Interest | Principal | Remaining |
|---|---|---|---|---|
| 1 | PLN 1,588 | PLN 371 | PLN 1,217 | PLN 48,783 |
| 2 | PLN 1,588 | PLN 362 | PLN 1,226 | PLN 47,557 |
| 3 | PLN 1,588 | PLN 353 | PLN 1,235 | PLN 46,322 |
| 4 | PLN 1,588 | PLN 344 | PLN 1,244 | PLN 45,078 |
| 5 | PLN 1,588 | PLN 334 | PLN 1,253 | PLN 43,825 |
| 6 | PLN 1,588 | PLN 325 | PLN 1,263 | PLN 42,562 |
| 7 | PLN 1,588 | PLN 316 | PLN 1,272 | PLN 41,290 |
| 8 | PLN 1,588 | PLN 306 | PLN 1,281 | PLN 40,009 |
| 9 | PLN 1,588 | PLN 297 | PLN 1,291 | PLN 38,718 |
| 10 | PLN 1,588 | PLN 287 | PLN 1,301 | PLN 37,417 |
| 11 | PLN 1,588 | PLN 278 | PLN 1,310 | PLN 36,107 |
| 12 | PLN 1,588 | PLN 268 | PLN 1,320 | PLN 34,787 |
| … | … | … | … | … |
| 36 | PLN 1,588 | PLN 12 | PLN 1,576 | PLN 0 |
How to use the instalment calculator?
Enter the loan amount, repayment period in months and the interest rate. The calculator will automatically compute the monthly instalment, total loan cost and total interest. You can compare equal and decreasing instalments to choose the most favourable option.
Często zadawane pytania
How is a loan instalment calculated?
An equal (annuity) instalment is calculated using the annuity formula: R = K × [r(1+r)^n] / [(1+r)^n - 1], where K is the loan amount, r is the monthly interest rate, and n is the number of instalments. The kreddo.pl calculator performs these calculations automatically.
What is the difference between equal and decreasing instalments?
An equal (annuity) instalment stays the same throughout the entire loan period. A decreasing instalment falls over time — it is higher at the start, but the total interest cost is lower than with equal instalments.
Does the calculator include the commission?
Yes, our calculator lets you enter a commission, which is added to the APR. The commission is a one-off fee for granting the loan, usually 0–5% of the loan amount.
What is APR?
APR (Annual Percentage Rate) is an indicator that takes into account the nominal interest rate, commissions, insurance and other costs. It allows you to compare the real cost of loans from different banks.
