Loan Calculator 2026 – payment, total cost & schedule
Precise results without hidden costs
Enter amount, interest rate, and term to get the payment, total interest, and schedule. Calculations run locally in your browser without sending data.
Loan Parameters
Calculation Results
Your Monthly Payment*
1060,66 zł
Total Amount to Repay*
127 278,62 zł
Sum of all payments over the entire loan period
Overpayment (Interest)
27 278,62 zł
How much extra you pay the bank above the borrowed amount
Amortization Schedule
| Month | Payment | Principal | Interest | Remaining Balance |
|---|---|---|---|---|
| 1 | 1060,66 zł | 643,99 zł | 416,67 zł | 99 356,01 zł |
| 2 | 1060,66 zł | 646,67 zł | 413,98 zł | 98 709,34 zł |
| 3 | 1060,66 zł | 649,37 zł | 411,29 zł | 98 059,97 zł |
| 4 | 1060,66 zł | 652,07 zł | 408,58 zł | 97 407,90 zł |
| 5 | 1060,66 zł | 654,79 zł | 405,87 zł | 96 753,11 zł |
| 6 | 1060,66 zł | 657,52 zł | 403,14 zł | 96 095,60 zł |
| 7 | 1060,66 zł | 660,26 zł | 400,40 zł | 95 435,34 zł |
| 8 | 1060,66 zł | 663,01 zł | 397,65 zł | 94 772,33 zł |
| 9 | 1060,66 zł | 665,77 zł | 394,88 zł | 94 106,56 zł |
| 10 | 1060,66 zł | 668,54 zł | 392,11 zł | 93 438,02 zł |
| 11 | 1060,66 zł | 671,33 zł | 389,33 zł | 92 766,69 zł |
| 12 | 1060,66 zł | 674,13 zł | 386,53 zł | 92 092,56 zł |
Glossary
Equal payment (annuity)
Fixed monthly payment over the whole term. Early on interest dominates, later the principal share grows.
Decreasing payment
Principal is repaid in equal parts and interest is calculated on a declining balance. The first payment is higher and total interest is usually lower.
Overpayment (interest cost)
Total interest paid over the loan term; the difference between total repayment and the principal.
Amortization Schedule
A table showing the split of each payment into principal and interest and how the balance changes over time.
Open math
The calculator uses the standard annuity formula. Monthly rate r comes from annual rate divided by 12.
Equal payment formula
where:
- • K = loan principal
- • r = monthly interest rate (annual rate / 12)
- • n = number of payments (months)
Calculations use decimal.js and run locally in the browser.
Frequently Asked Questions
Does the calculator include fees and insurance? ▾
No. The result is based on the nominal interest rate. Add extra fees separately.
What does overpayment (interest) mean? ▾
It is the total interest paid over the term; the difference between total repayment and the principal.
Equal or decreasing payments — which is cheaper? ▾
Equal payments keep a stable installment; decreasing payments fall over time and usually lower total interest, but start higher.
Is data sent to a server? ▾
No. The calculator runs locally in your browser and stores nothing.
Is the result APR? ▾
No. The result is based on the nominal rate; APR requires all additional fees.
Useful links
* The results are for reference only.