Loan Instalment Calculator
Calculate your monthly instalment and total loan cost.
Miesięczna rata
1588 zł
Łączny koszt
57 156 zł
Suma odsetek
7156 zł
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.