Loan Overpayment Calculator 2026 — see how much you save
Shorten term or reduce payment — which saves more?
Enter your loan balance, interest rate and overpayment amount to see exact savings. Both strategies compared in one view. All calculations run locally in your browser.
Loan & Overpayment Parameters
Comparison Results
Maximum interest saved
179 905,71 zł
by shortening the loan term
Term shortened by: 103 months
Overpayment Strategy Comparison
| No overpayment | Shorten term | Reduce payment | |
|---|---|---|---|
| Total interest | 365 092,06 zł | 185 186,35 zł | 304 243,38 zł |
| Interest saved | — | 179 905,71 zł | 60 848,68 zł |
| Loan term | 25 years | 16 years 5 months(−103) | 25 years |
| Monthly payment | 2216,97 zł | 2216,97 zł | 1847,48 zł |
| Total cost | 665 092,06 zł | 485 186,35 zł | 604 243,38 zł |
Loan Balance Over Time
No overpayment vs shorten term vs reduce payment
Glossary
Shorten term
After the overpayment, the bank recalculates the schedule keeping the same payment but reducing the number of months. Result: faster loan payoff and less total interest.
Reduce payment
After the overpayment, the monthly payment drops while the term stays the same. Lower monthly burden, but slightly less total interest savings compared to shortening the term.
Loan overpayment
An extra payment on top of your regular installment. It reduces the remaining principal, which means lower interest charges in subsequent months.
How it works
The calculator generates a full repayment schedule with overpayment and compares it to a schedule without. The difference in total interest is your savings.
Calculations use decimal.js and run locally in your browser.
Frequently Asked Questions
How much do I save by overpaying 50,000 PLN on my mortgage?
Shorten term or reduce payment — which is better?
Do banks charge a fee for overpaying a mortgage in Poland?
Is data sent to a server?
Is a one-time or monthly overpayment better?
Useful links
* The results are for reference only.