The Poland Personal Loan Calculator models a kredyt gotowkowy — Poland’s standard cash loan — so you can see your fixed monthly repayment and the true cost before you sign. Polish lenders advertise loans by their RRSO, an all-in annual rate that bundles interest with the one-off prowizja fee, so a low headline rate can still be expensive once fees are added.
How it works
The repayment uses the classic annuity formula. With principal P, a monthly rate r (the
annual nominal rate divided by twelve) and n monthly payments, each payment is:
M = P × r / (1 − (1 + r)^−n)Every payment is identical, but its split shifts: early on most of it is interest, and as the balance falls more goes to principal. The tool builds the full amortisation schedule so you can watch the interest portion shrink month by month.
On top of interest, it adds the prowizja — your arrangement fee as a percentage of the loan — to report the total cost of credit. That figure is what RRSO captures, and it is the honest basis for comparing offers.
Total cost = total interest over the term + the one-off prowizja fee.
Example and notes
Borrowing 30,000 PLN over 5 years at a 12% nominal rate gives a monthly payment near 667 PLN and total interest around 10,000 PLN. Add a 5% prowizja of 1,500 PLN and the true cost of the loan climbs accordingly — which is exactly why Poland forces lenders to publish RRSO.
This is an estimate using the nominal rate plus a flat fee. Real offers may compound differently, add insurance, or structure the prowizja into the borrowed amount. The KNF caps non-interest costs on consumer credit; always confirm the lender’s RRSO and your right to repay early.