Loan Installment Calculator
Calculate mortgage or cash loan installments. Equal and decreasing installments with full repayment schedule.
Loan parameters
Results
Equal vs decreasing installments — which to choose?
Equal installments (annuity)
Each installment is the same throughout the loan period. Initially, a larger portion of the installment goes to interest; over time, the capital share grows. Total interest cost is higher than with decreasing installments, but the fixed amount makes it easier to plan your household budget.
Decreasing installments (capital)
The capital portion is fixed, while interest decreases as the loan is repaid. The first installment is the highest, the last is the lowest. Total interest cost is lower, but the initial budget burden is higher — which affects the calculated creditworthiness.
What to watch out for?
In addition to the nominal interest rate, check the APR (Annual Percentage Rate), which includes commission, insurance and other costs. When comparing bank offers, APR gives a more complete picture of the loan cost than interest rate alone.
Current loan interest rates 2026
Mortgage interest rates in Poland depend on the NBP reference rate and the bank's margin. At the beginning of 2026, the reference rate is 5.75%, and a typical bank margin is 1.5–2.5%, resulting in interest rates of around 7–8.5%. Cash loans have higher interest rates — usually 8–15% depending on the amount and period.