Loan overpayment
Fixed-rate loan amortisation. See how much time and total interest you save by paying extra each month.
Open calculatorStatutory interest (Poland)
In Poland, ordinary statutory capital interest equals the NBP reference rate plus 3.5 percentage points. Statutory late-payment interest is the NBP reference rate plus 5.5 points (e.g. 9.25% when the NBP rate is 3.75%). Commercial B2B transactions use NBP plus 10 points, calculated on a 365-day year.
zł
%
Accrued interest
111,51 zł
Applicable annual rate
9.25%
Days counted
44
Total (principal plus interest)
10 111,51 zł
The link may contain your inputs. Anyone receiving it can read them.
Applies a single constant rate across the selected date range. If the NBP reference rate changed mid-period, split the calculation into separate date intervals.
Recent on this calculator
Full historyStored strictly in this browser’s local storage. Clicking an entry reloads the parameters into the calculator URL; sharing the link exposes those inputs to the recipient.
No saved calculations yet. Use any calculator and your recent results will appear here.
Educational estimate only. Not medical, tax, legal or financial advice.