The true cost of a Polish loan, in your browser.
Type in the amount, term and instalment. The extension computes RRSO by bisection, compares it with both ceilings of the Polish anti-usury law, and tells you whether the offer stays within the legal limits.
100% localNo site permissionsFree
What the extension does
RRSO by bisection
The result matches annex 4 of the Consumer Credit Act — the same method regulated institutions use. No „just add the rate to the principal” shortcuts that quietly understate the cost.
Both anti-usury ceilings
Maximum nominal interest (today 14.50%, derived from the NBP reference rate) and non-interest cost of credit under art. 36a — 10% + 10%×(days/365), hard cap at 45%. A green, orange or red badge sits under every result.
Payday-loan-shark warning
When RRSO exceeds 100%, the extension asks you plainly to check the lender against the KNF Public Warning List. The link opens in a new tab — we send nothing on your behalf.
Zero data goes out
All JavaScript ships inside the package, no remote code. The one permission we ask for is „storage” — we only remember the numbers you last typed into the calculator so you don't retype them.
How to use it in 30 seconds
- 1
Install the extension
„Add to Chrome” opens the Chrome Web Store listing. One click to confirm — no account, no login.
- 2
Click the Tino icon on the toolbar
The icon lives in the top-right of Chrome. Open the popup with one click, on any page, any time.
- 3
Type four numbers
Amount, term in months, monthly instalment, optionally the fee. PL number format — comma as decimal, space as thousands.
- 4
Read your RRSO and the legality verdict
Big percentage on top — your real RRSO. Below it, the badge tells you whether the non-interest costs sit within the statutory limit. Takes as long as reading this sentence.
See it in action
Zero data. No site permissions.
The manifest declares exactly one permission: „storage”. The „host_permissions” field is empty, so the code cannot reach any website. We set no cookies, load nothing from a server, run no background script. Chrome labels this mode „does not read or change your data on the sites you visit” — that is exactly how the RRSO calculator runs.
Full extension privacy policy →Frequently asked
Is the extension fully free?
Yes. No paid tier, no in-app purchases, no ads. Kreditano earns affiliate commission on kreditano.pl when you click „Apply” on a chosen offer — never from the extension itself.
Where does the maximum-interest value come from?
From the NBP Monetary Policy Council decisions. The reference rate is currently 3.75%, so statutory interest is 7.25% and maximum interest (2× statutory under Civil Code art. 359 §2¹) is 14.50%. We ship a new version after every RPP change.
What if the RPP changes the rate and you're late updating?
The extension has a safety net: if the last update date is older than 180 days, the popup switches to „no-data mode” — it shows RRSO and cost without the coloured „legal / illegal” badge. We would rather show no verdict than show a wrong one.
Any plans for Firefox or Safari?
We launched on Chrome and Microsoft Edge because both share the Manifest V3 standard. Firefox uses its own API dialect — if demand shows up, we will ship a separate package.
Found a bug or have a feature idea?
Write to contact [at] kreditano [dot] com. We read every message. The extension moves in versions — good ideas end up in the next release.
See what you would really pay.
Install takes a few seconds. The first RRSO — a few more.
Add to Chrome