Calculator
Mortgage payment calculator: schedule, APR and a rate test
Equal or declining instalments, total interest over the term, a year-by-year schedule and an APR including fees and insurance. Plus three scenarios the bank will check anyway: the rate 1, 2 and 3 points higher.
First instalment
3 175,82PLN/month
- Total interest
- 452 744 zł
- Total to repay (incl. fee and costs)
- 952 744 zł
APR6,01 %
If rates go up
first instalment with the rate higher by…
- +1 p.p.3 486 zł+310
- +2 p.p.3 810 zł+634
- +3 p.p.4 145 zł+969
- Outstanding balance
- Cumulative interest paid
Year by year
| Year | Principal | Total interest | Outstanding balance |
|---|---|---|---|
| 1 | 9 101 | 29 009 | 490 899 |
| 2 | 9 648 | 28 462 | 481 250 |
| 3 | 10 228 | 27 882 | 471 022 |
| 4 | 10 843 | 27 267 | 460 180 |
| 5 | 11 494 | 26 616 | 448 686 |
| 6 | 12 185 | 25 925 | 436 500 |
| 7 | 12 917 | 25 193 | 423 583 |
| 8 | 13 694 | 24 416 | 409 890 |
| 9 | 14 516 | 23 593 | 395 373 |
| 10 | 15 389 | 22 721 | 379 985 |
| 11 | 16 314 | 21 796 | 363 671 |
| 12 | 17 294 | 20 816 | 346 377 |
| 13 | 18 333 | 19 777 | 328 044 |
| 14 | 19 435 | 18 675 | 308 609 |
| 15 | 20 603 | 17 507 | 288 006 |
| 16 | 21 841 | 16 269 | 266 165 |
| 17 | 23 153 | 14 956 | 243 012 |
| 18 | 24 545 | 13 565 | 218 467 |
| 19 | 26 020 | 12 090 | 192 447 |
| 20 | 27 583 | 10 526 | 164 864 |
| 21 | 29 241 | 8 869 | 135 623 |
| 22 | 30 998 | 7 112 | 104 624 |
| 23 | 32 861 | 5 249 | 71 763 |
| 24 | 34 836 | 3 274 | 36 927 |
| 25 | 36 927 | 1 181 | 0 |
Indicative result – not a loan offer or investment advice. Statutory and market parameters checked on 2026-10-10.
An indicative tool: the result is an order of magnitude on your assumptions, not a valuation or tax, legal or investment advice. Data entered into the form is never sent or stored anywhere.
How it is computed
- 1Interest month by monthMonthly interest = balance × rate ÷ 12, rounded to the grosz – the way banks compute mortgages. Equal instalment: R = K × r ÷ (1 − (1 + r)^−n). Declining instalment: a fixed principal part K ÷ n plus interest on the falling balance.
- 2APRThe effective annual rate as in the statute: the rate at which the value of all payments (instalments, fee, fixed monthly costs) equals the amount actually paid out. Without fees and costs the APR is only slightly above the nominal rate – because of monthly compounding.
- 3Rate testWith a variable rate the instalment changes every 3 or 6 months with the index (WIBOR, later POLSTR). The +1, +2 and +3 pp scenarios show whether the household budget would survive a return of 2022–2023 rates.
| Instalments | First instalment | Total interest |
|---|---|---|
| Equal (500k, 7 %, 25 yrs) | PLN 3,533.90 | PLN 560,167 |
| Declining (same inputs) | PLN 4,583.34 | PLN 438,957 |
Frequently asked questions
What rate should I enter in October 2026?
For a variable rate: 3M WIBOR (approx. 3.85 % in early October 2026) plus the bank margin, usually 1.5–2.5 pp. The calculator starts at 5.85 %. For a periodically fixed rate enter the offer rate – after 5 years it switches to variable.
Equal or declining instalments?
Declining ones cost less interest (about PLN 121k less in the example above), but the first instalment is about 30 % higher, so the bank will compute a lower capacity. Equal ones give a predictable budget; the cost gap can be closed with overpayments.
Why is the APR higher than the interest rate?
Because it includes all costs (fee, insurance) and the fact that interest accrues monthly. Even without costs, 7 % nominal is 7.23 % effective. Compare offers by APR, not by the rate alone.
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