Loan Overpayment Calculator — July 2026
See how much interest you save by overpaying — shorten the term or lower your instalment.
interest saved
PLN 72,322
- Term shorter by
- 34 mo.
- Instalment unchanged
- PLN 2,701
- New term
- 266 mo.
Shortening the term saves more interest; lowering the instalment frees up your monthly budget.
Calculation for equal instalments and a fixed rate over the whole term. On a variable-rate mortgage the bank may charge a prepayment fee only in the first 3 years of the agreement.
How to use the overpayment calculator?
Enter the outstanding loan balance, interest rate, remaining term and the amount you want to overpay. Then choose whether to shorten the term or lower the instalment. The calculator shows how much interest you save in each case, so you can decide which option fits your budget.
Często zadawane pytania
Does overpaying a loan pay off?
Almost always yes — every overpayment reduces the outstanding principal, so the bank charges interest on a smaller balance. The earlier in the loan you overpay, the more interest you save, because the early instalments carry the most interest.
Shorten the term or lower the instalment?
Shortening the term saves the most interest — you keep paying the same instalment but finish sooner. Lowering the instalment keeps the term unchanged and frees up your monthly budget. Our calculator shows both scenarios.
Can the bank charge a fee for overpayment?
For a variable-rate mortgage the bank may charge a prepayment fee only in the first 3 years of the agreement (Mortgage Credit Act 2017). For consumer loans, a proportional refund of costs applies (Consumer Credit Act, CJEU C-383/18 “Lexitor”).
Is early repayment my right?
Yes. Overpayment and early repayment are the borrower’s right under Articles 48–49 of the Consumer Credit Act and Articles 38–40 of the Mortgage Credit Act.
