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Overpayment in 30 seconds

See how fast overpayments shorten your mortgage

Enter key mortgage parameters, add a recurring monthly overpayment and a one-off top-up – the lightning calculator instantly shows interest savings and the new payoff date.

Interest saved

Interest saved: PLN 212,532

Loan shorter by

7 years 7 mo

With extra payments of PLN 133,200.

PLN

Range: 50,000 PLN – 2,000,000 PLN

%
PLN / mo

Comparison

Monthly instalment
Without overpaymentsPLN 3,765With overpaymentsPLN 3,765
Total loan cost
Without overpaymentsPLN 1,084,381With overpaymentsPLN 871,849
Total interest
Without overpaymentsPLN 564,381With overpaymentsPLN 351,849
Payoff duration
Without overpayments24 yearsWith overpayments16 years 5 mo
Total overpayments
Without overpaymentsPLN 0With overpaymentsPLN 133,200

Good to know

What to double-check before overpaying?
  • Bank limits: some lenders allow free overpayments only after 3–5 years. Check for early repayment fees.
  • Insurance and fees: mandatory policies or premium accounts can eat into the benefit. Add them in the detailed calculator.
  • Emergency fund: before sending all spare cash to the bank, build a 3–6 month safety buffer.
What next?
  • Review your loan agreement for overpayment limits or fees – capture them in the detailed calculator.
  • Save the report and compare it with alternative strategies (e.g. investing the surplus).
  • Update the inputs after each WIBOR/WIRON change to keep the schedule accurate.
About this calculator

We focus on the essentials to give you a fast, clear answer before you talk to the bank. For deeper comparisons, use the detailed calculator.

This quick view shows the likely effect using current rates. The detailed calculator lets you compare multiple scenarios and include extra costs.

Compare with other strategies

Debt vs investingPrepay the loan or invest the surplus.
Loan refinancingWhether a new offer lowers your payment.

Ready for full analysis?

The detailed overpayment calculator handles multiple scenarios, extra costs, and shareable reports. Perfect for bank negotiations.

Open detailed calculator