Result: Saved: PLN 116,291, Shorter by: 5y 4m, Payoff: 24y 8m
Loan overpayment
Loan overpayment calculator
Simulate mortgage overpayments, mix recurring and one-off payments, and compare how they shorten the payoff horizon.
Monthly payment
PLN 2,661
Total interest
PLN 441,745
Saved: PLN 116,291
Payoff time
24 years 8 mo
Faster by 5 years 4 mo
Total paid
PLN 849,665
Loan parameters
Installment type
Overpayment plans
Set up recurring and one-off overpayments, then compare how each plan affects the loan.
Strategy
Recurring overpayments
1. PLN 200
One-off overpayments
No one-off payments yet.
Repayment over time
The baseline schedule against your overpayment scenarios. (years)
Yearly schedule
Year 1
- Principal
- PLN 4,063
- Interest
- PLN 27,871
- Balance at year end
- PLN 395,937
More details
- Overpayments
- PLN 0
- Paid
- PLN 32,175
Year 2
- Principal
- PLN 6,835
- Interest
- PLN 27,499
- Balance at year end
- PLN 389,101
More details
- Overpayments
- PLN 2,400
- Paid
- PLN 34,575
Year 3
- Principal
- PLN 7,330
- Interest
- PLN 27,005
- Balance at year end
- PLN 381,772
More details
- Overpayments
- PLN 2,400
- Paid
- PLN 34,575
Year 4
- Principal
- PLN 7,859
- Interest
- PLN 26,475
- Balance at year end
- PLN 373,912
More details
- Overpayments
- PLN 2,400
- Paid
- PLN 34,575
Year 5
- Principal
- PLN 8,428
- Interest
- PLN 25,907
- Balance at year end
- PLN 365,485
More details
- Overpayments
- PLN 2,400
- Paid
- PLN 34,575
- Showing 5 of 25 years
| Year | Principal | Interest | Balance at year end | Overpayments | Paid |
|---|---|---|---|---|---|
| 1 | PLN 4,063 | PLN 27,871 | PLN 395,937 | PLN 0 | PLN 32,175 |
| 2 | PLN 6,835 | PLN 27,499 | PLN 389,101 | PLN 2,400 | PLN 34,575 |
| 3 | PLN 7,330 | PLN 27,005 | PLN 381,772 | PLN 2,400 | PLN 34,575 |
| 4 | PLN 7,859 | PLN 26,475 | PLN 373,912 | PLN 2,400 | PLN 34,575 |
| 5 | PLN 8,428 | PLN 25,907 | PLN 365,485 | PLN 2,400 | PLN 34,575 |
| 6 | PLN 9,037 | PLN 25,298 | PLN 356,448 | PLN 2,400 | PLN 34,575 |
| 7 | PLN 9,690 | PLN 24,644 | PLN 346,757 | PLN 2,400 | PLN 34,575 |
| 8 | PLN 10,391 | PLN 23,944 | PLN 336,367 | PLN 2,400 | PLN 34,575 |
| 9 | PLN 11,142 | PLN 23,193 | PLN 325,225 | PLN 2,400 | PLN 34,575 |
| 10 | PLN 11,947 | PLN 22,387 | PLN 313,278 | PLN 2,400 | PLN 34,575 |
| 11 | PLN 12,811 | PLN 21,524 | PLN 300,467 | PLN 2,400 | PLN 34,575 |
| 12 | PLN 13,737 | PLN 20,598 | PLN 286,730 | PLN 2,400 | PLN 34,575 |
| 13 | PLN 14,730 | PLN 19,604 | PLN 272,000 | PLN 2,400 | PLN 34,575 |
| 14 | PLN 15,795 | PLN 18,540 | PLN 256,205 | PLN 2,400 | PLN 34,575 |
| 15 | PLN 16,937 | PLN 17,398 | PLN 239,268 | PLN 2,400 | PLN 34,575 |
| 16 | PLN 18,161 | PLN 16,173 | PLN 221,107 | PLN 2,400 | PLN 34,575 |
| 17 | PLN 19,474 | PLN 14,861 | PLN 201,633 | PLN 2,400 | PLN 34,575 |
| 18 | PLN 20,882 | PLN 13,453 | PLN 180,751 | PLN 2,400 | PLN 34,575 |
| 19 | PLN 22,391 | PLN 11,943 | PLN 158,360 | PLN 2,400 | PLN 34,575 |
| 20 | PLN 24,010 | PLN 10,325 | PLN 134,350 | PLN 2,400 | PLN 34,575 |
| 21 | PLN 25,746 | PLN 8,589 | PLN 108,605 | PLN 2,400 | PLN 34,575 |
| 22 | PLN 27,607 | PLN 6,728 | PLN 80,998 | PLN 2,400 | PLN 34,575 |
| 23 | PLN 29,602 | PLN 4,732 | PLN 51,395 | PLN 2,400 | PLN 34,575 |
| 24 | PLN 31,742 | PLN 2,592 | PLN 19,653 | PLN 2,400 | PLN 34,575 |
| 25 | PLN 19,653 | PLN 463 | PLN 0 | PLN 1,600 | PLN 20,276 |
Good to know
Reduce the term or reduce the payment
When you reduce the term, the payment stays the same and the loan ends sooner. When you reduce the payment, the term stays the same and later payments are lower. The calculator shows both side by side.
What the calculator does
It supports equal and declining installments, combines recurring with one-off overpayments, compares several scenarios on one chart and exports the full monthly schedule to CSV.
What to watch for
Check your loan agreement for overpayment conditions, such as possible fees or minimum amounts. The calculator assumes a fixed interest rate for the whole term.