Polish APR (RRSO) calculator

Input your repayment schedule and every fee to see the true annual percentage rate and total cost of any Polish loan.

Get the full cost picture

  • ★ Flexible schedules – support for equal and decreasing instalments plus grace periods.
  • ★ Complete fee coverage – add commissions, insurance, valuation and administrative costs.
  • ★ Offer comparison – evaluate two bank proposals and highlight the cheaper option.
  • ★ Export to spreadsheet – download the full amortisation table for further analysis.

Example scenarios

450k PLN mortgage

APR 8.1%

Including a 3% fee and bridge insurance lifts APR by 0.6 pp above the nominal rate.

Promo offer

APR 7.4%

Lower margin and zero commission make the competing offer 21k PLN cheaper overall.

Bank comparison

0.9 pp gap

Small APR differences compound into 48k PLN over the life of the loan.

Calculate APR (RRSO) Plan mortgage overpayments