Loan calculators
Estimate costs, payments and savings — free, in seconds.
How to read the results of these calculators
Each of the five calculators answers a different question that comes up before taking a loan. „How much can I borrow” works out the maximum monthly payment at a DSTI of 40% — about as far as Polish banks usually accept, although they go below it for lower incomes. The cost module shows what you actually pay back: not the headline rate, but the full RRSO with the arrangement fee and any mandatory insurance.
The most underrated is the early-repayment calculator. The Polish consumer credit law (art. 48–52) gives you the right to overpay at any time, and the bank has to refund a proportional part of the fee. Type in an extra monthly amount and see how many months and how much interest you cut — on a 60 000 PLN loan the difference can run into several thousand zloty.
The BIK score here is indicative. Only BIK (the Polish credit bureau) knows the exact figure, but the simulation points to where your payment history and debt level are pushing it. Treat the result as a direction, not a verdict — before applying, pull your actual report at bik.pl.
All the maths runs in your browser. We send nothing to a server, so you can test different amounts and terms without giving up any personal data — none of these simulations leaves a trace in your credit history.