Pożyczka: Rata i Koszt Odsetek

How much does a loan really cost? Enter the amount, term, and interest rate, and the app will show you the monthly payment, interest expense, and total amount owed. Then add the loans you're already repaying and check when you'll close the last one.

Everything is calculated on your phone: no internet connection, no registration, and no need to provide your number.

WHAT CAN BE COUNTED

1. Loan payment. The amount, term, and interest rate are the inputs, and the outputs are the monthly payment, interest expense, and total amount owed. This works for a cash loan, a car loan, or any loan with equal installments.
2. What payment can you afford? Based on your income and current payments, you'll see what monthly payment is still within your budget.
3. Comparison of two loans. Two sets of terms side by side, assessed based on the total cost, not just the installment.
4. Overpayment. How many months will you shorten your repayments and how much interest will you save by paying a fixed amount each month?
5. Debt burden. How much of your income goes towards installments and how much is left over.

REPAYMENT PLAN

Enter each loan you currently have: the remaining balance, interest rate, and monthly payment. The app will create a plan:

• how long you'll be debt-free and how much interest you still have to pay
• what will change when you add an additional amount each month
• two repayment schedules—highest interest rate first or lowest balance first—with the cost of each
• Your loans as numbered steps, with the repayment time for each

Helpful when you're wondering which loan to close first or checking if consolidating several installments into one would be cheaper.

The data you enter is saved only on your phone. Nothing is sent anywhere.

EXAMPLE

PLN 20,000 for 36 months at an annual interest rate of 11.9 percent: installment of approximately PLN 663, totaling approximately PLN 23,880. The same amount for 72 months: installment drops to approximately PLN 390, but totaling approximately PLN 28,077. A longer term costs approximately PLN 4,198 more.

Change any number, and the result will be calculated instantly.

THE APP ALSO INCLUDES:

• Price per unit: compare two packages and see which one is more cost-effective
• Principal and interest charts and a repayment schedule with and without an overpayment

FOR WHOM

• You already have loan terms and want to check the installment and total cost yourself
• You are repaying multiple loans and are looking for a clear order to close them
• ​​You are considering an overpayment and want to see savings
• You want to know how much of your income is going towards debt

WHAT THE APP DOESN'T DO

• Does not grant loans or transfer money to your account
• Does not accept applications or documents
• Does not display lists of lending companies or banks and does not contact anyone
• Does not check or change your credit history in the Credit Information Bureau (BIK) or debtor registers
• Does not provide financial or legal advice

IMPORTANT INFORMATION

This app is a calculator. It is not a bank or lending company and is not affiliated with any lender, credit bureau, or government agency.

All results are estimates based on the data entered. Interest is calculated on the declining balance, with the annual percentage rate divided over the twelve months. Commissions, insurance, and fees are not included, so the APR in your agreement will be higher. Always check your agreement for the final cost.

The app is free and ad-free.