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Mortgage & Loan Calculator

Mortgage & Loan Repayment Calculator

Calculate monthly payments, total interest, and amortization schedule for loans.

Miesięczna Rata Kredytu
2955.96 zł
Całkowity Koszt Odsetek486789.41 zł
Suma Do Spłaty886789.41 zł

Roczny Harmonogram Spłat Kredytu

RokSpłacony KapitałZapłacone OdsetkiPozostało Do Spłaty
Rok 15663.64 zł29807.94 zł394336.36 zł
Rok 26103.32 zł29368.26 zł388233.05 zł
Rok 36577.14 zł28894.44 zł381655.91 zł
Rok 47087.74 zł28383.84 zł374568.17 zł
Rok 57637.97 zł27833.60 zł366930.20 zł
Rok 68230.93 zł27240.65 zł358699.27 zł
Rok 78869.92 zł26601.66 zł349829.35 zł
Rok 89558.51 zł25913.06 zł340270.84 zł
Rok 910300.57 zł25171.01 zł329970.27 zł
Rok 1011100.23 zł24371.35 zł318870.04 zł
Rok 1111961.97 zł23509.61 zł306908.08 zł
Rok 1212890.60 zł22580.97 zł294017.47 zł
Rok 1313891.34 zł21580.24 zł280126.14 zł
Rok 1414969.76 zł20501.82 zł265156.38 zł
Rok 1516131.90 zł19339.68 zł249024.49 zł
Rok 1617384.26 zł18087.32 zł231640.23 zł
Rok 1718733.84 zł16737.73 zł212906.39 zł
Rok 1820188.20 zł15283.38 zł192718.19 zł
Rok 1921755.46 zł13716.11 zł170962.72 zł
Rok 2023444.39 zł12027.18 zł147518.33 zł
Rok 2125264.44 zł10207.13 zł122253.89 zł
Rok 2227225.79 zł8245.79 zł95028.10 zł
Rok 2329339.40 zł6132.18 zł65688.70 zł
Rok 2431617.09 zł3854.49 zł34071.61 zł
Rok 2534071.61 zł1399.97 zł0.00 zł
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About Calculator

The Mortgage Calculator estimates monthly loan payments, total interest paid, and total cost of a loan over its term. It uses the standard annuity formula: M = P × [r(1+r)^n] / [(1+r)^n − 1], where P is the principal, r is the monthly interest rate, and n is the total number of payments.

You can adjust the loan amount, annual interest rate, and loan term to compare different mortgage scenarios. The calculator shows both the monthly installment and the total amount paid over the life of the loan.

Frequently Asked Questions (FAQ)

What is an annuity payment?

An annuity (fixed) payment means you pay the same amount each month. Early payments are mostly interest, while later payments are mostly principal. This is the most common mortgage type.

Does the calculator include insurance and taxes?

No. The calculation shows principal and interest only. Property tax, homeowner's insurance, and PMI (if applicable) would increase your actual monthly payment.

Are these results financial advice?

No. The calculator provides mathematical estimates only. Consult a licensed financial advisor or mortgage broker for personalized advice.

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