Kalkulator harmonogramu spłat
Oblicz szczegółowy harmonogram spłat kredytu hipotecznego lub gotówkowego. Tabela rat, odsetki, saldo. Eksport CSV.
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function runTool() {
return "Wynik gotowy w 0.1s";
}
return "Wynik gotowy w 0.1s";
}
Harmonogram spłat kredytu: Home loan example ======================================== Podsumowanie: - Planowana spłata: 1539.29 - Liczba spłat: 305 - Suma spłat: 499005.97 - Suma odsetek: 249005.97 - Suma kapitału: 250000.00 - Suma dodatkowych spłat: 30400.00 - Data całkowitej spłaty: 2052-01-01 Harmonogram spłat: Nr Data Spłata Odsetki Kapitał Dodatkowo Saldo 1 2026-09-01 1639.29 1302.08 237.21 100.00 249662.79 2 2026-10-01 1639.29 1300.33 238.97 100.00 249323.82 3 2026-11-01 1639.29 1298.56 240.73 100.00 248983.09 4 2026-12-01 1639.29 1296.79 242.51 100.00 248640.59 5 2027-01-01 1639.29 1295.00 244.29 100.00 248296.30 6 2027-02-01 1639.29 1293.21 246.08 100.00 247950.21 7 2027-03-01 1639.29 1291.41 247.89 100.00 247602.33 8 2027-04-01 1639.29 1289.60 249.70 100.00 247252.63 9 2027-05-01 1639.29 1287.77 251.52 100.00 246901.11 10 2027-06-01 1639.29 1285.94 253.35 100.00 246547.76 11 2027-07-01 1639.29 1284.10 255.19 100.00 246192.57 12 2027-08-01 1639.29 1282.25 257.04 100.00 245835.53 13 2027-09-01 1639.29 1280.39 258.90 100.00 245476.63 14 2027-10-01 1639.29 1278.52 260.77 100.00 245115.86 15 2027-11-01 1639.29 1276.65 262.65 100.00 244753.22 16 2027-12-01 1639.29 1274.76 264.54 100.00 244388.68 17 2028-01-01 1639.29 1272.86 266.44 100.00 244022.24 18 2028-02-01 1639.29 1270.95 268.34 100.00 243653.90 19 2028-03-01 1639.29 1269.03 270.26 100.00 243283.64 20 2028-04-01 1639.29 1267.10 272.19 100.00 242911.45 21 2028-05-01 1639.29 1265.16 274.13 100.00 242537.32 22 2028-06-01 1639.29 1263.22 276.08 100.00 242161.24 23 2028-07-01 1639.29 1261.26 278.04 100.00 241783.20 24 2028-08-01 1639.29 1259.29 280.01 100.00 241403.20 25 2028-09-01 1639.29 1257.31 281.98 100.00 241021.21 26 2028-10-01 1639.29 1255.32 283.97 100.00 240637.24 27 2028-11-01 1639.29 1253.32 285.97 100.00 240251.26 28 2028-12-01 1639.29 1251.31 287.98 100.00 239863.28 29 2029-01-01 1639.29 1249.29 290.01 100.00 239473.28 30 2029-02-01 1639.29 1247.26 292.04 100.00 239081.24 31 2029-03-01 1639.29 1245.21 294.08 100.00 238687.16 32 2029-04-01 1639.29 1243.16 296.13 100.00 238291.03 33 2029-05-01 1639.29 1241.10 298.19 100.00 237892.84 34 2029-06-01 1639.29 1239.03 300.27 100.00 237492.57 35 2029-07-01 1639.29 1236.94 302.35 100.00 237090.22 36 2029-08-01 1639.29 1234.84 304.45 100.00 236685.77 37 2029-09-01 1639.29 1232.74 306.55 100.00 236279.21 38 2029-10-01 1639.29 1230.62 308.67 100.00 235870.54 39 2029-11-01 1639.29 1228.49 310.80 100.00 235459.74 40 2029-12-01 1639.29 1226.35 312.94 100.00 235046.80 41 2030-01-01 1639.29 1224.20 315.09 100.00 234631.71 42 2030-02-01 1639.29 1222.04 317.25 100.00 234214.46 43 2030-03-01 1639.29 1219.87 319.43 100.00 233795.03 44 2030-04-01 1639.29 1217.68 321.61 100.00 233373.42 45 2030-05-01 1639.29 1215.49 323.81 100.00 232949.61 46 2030-06-01 1639.29 1213.28 326.01 100.00 232523.60 47 2030-07-01 1639.29 1211.06 328.23 100.00 232095.37 48 2030-08-01 1639.29 1208.83 330.46 100.00 231664.90 49 2030-09-01 1639.29 1206.59 332.70 100.00 231232.20 50 2030-10-01 1639.29 1204.33 334.96 100.00 230797.24 51 2030-11-01 1639.29 1202.07 337.22 100.00 230360.02 52 2030-12-01 1639.29 1199.79 339.50 100.00 229920.52 53 2031-01-01 1639.29 1197.50 341.79 100.00 229478.72 54 2031-02-01 1639.29 1195.20 344.09 100.00 229034.63 55 2031-03-01 1639.29 1192.89 346.40 100.00 228588.23 56 2031-04-01 1639.29 1190.56 348.73 100.00 228139.50 57 2031-05-01 1639.29 1188.23 351.07 100.00 227688.43 58 2031-06-01 1639.29 1185.88 353.42 100.00 227235.02 59 2031-07-01 1639.29 1183.52 355.78 100.00 226779.24 60 2031-08-01 1639.29 1181.14 358.15 100.00 226321.09 61 2031-09-01 1639.29 1178.76 360.54 100.00 225860.55 62 2031-10-01 1639.29 1176.36 362.94 100.00 225397.62 63 2031-11-01 1639.29 1173.95 365.35 100.00 224932.27 64 2031-12-01 1639.29 1171.52 367.77 100.00 224464.50 65 2032-01-01 1639.29 1169.09 370.21 100.00 223994.29 66 2032-02-01 1639.29 1166.64 372.66 100.00 223521.64 67 2032-03-01 1639.29 1164.18 375.12 100.00 223046.52 68 2032-04-01 1639.29 1161.70 377.59 100.00 222568.93 69 2032-05-01 1639.29 1159.21 380.08 100.00 222088.85 70 2032-06-01 1639.29 1156.71 382.58 100.00 221606.26 71 2032-07-01 1639.29 1154.20 385.09 100.00 221121.17 72 2032-08-01 1639.29 1151.67 387.62 100.00 220633.55 73 2032-09-01 1639.29 1149.13 390.16 100.00 220143.39 74 2032-10-01 1639.29 1146.58 392.71 100.00 219650.68 75 2032-11-01 1639.29 1144.01 395.28 100.00 219155.40 76 2032-12-01 1639.29 1141.43 397.86 100.00 218657.54 77 2033-01-01 1639.29 1138.84 400.45 100.00 218157.09 78 2033-02-01 1639.29 1136.23 403.06 100.00 217654.03 79 2033-03-01 1639.29 1133.61 405.68 100.00 217148.35 80 2033-04-01 1639.29 1130.98 408.31 100.00 216640.04 81 2033-05-01 1639.29 1128.33 410.96 100.00 216129.08 82 2033-06-01 1639.29 1125.67 413.62 100.00 215615.46 83 2033-07-01 1639.29 1123.00 416.30 100.00 215099.16 84 2033-08-01 1639.29 1120.31 418.98 100.00 214580.18 85 2033-09-01 1639.29 1117.61 421.69 100.00 214058.49 86 2033-10-01 1639.29 1114.89 424.41 100.00 213534.09 87 2033-11-01 1639.29 1112.16 427.14 100.00 213006.95 88 2033-12-01 1639.29 1109.41 429.88 100.00 212477.07 89 2034-01-01 1639.29 1106.65 432.64 100.00 211944.43 90 2034-02-01 1639.29 1103.88 435.42 100.00 211409.01 91 2034-03-01 1639.29 1101.09 438.20 100.00 210870.81 92 2034-04-01 1639.29 1098.29 441.01 100.00 210329.80 93 2034-05-01 1639.29 1095.47 443.83 100.00 209785.97 94 2034-06-01 1639.29 1092.64 446.66 100.00 209239.32 95 2034-07-01 1639.29 1089.79 449.50 100.00 208689.81 96 2034-08-01 1639.29 1086.93 452.37 100.00 208137.44 97 2034-09-01 1639.29 1084.05 455.24 100.00 207582.20 98 2034-10-01 1639.29 1081.16 458.14 100.00 207024.06 99 2034-11-01 1639.29 1078.25 461.04 100.00 206463.02 100 2034-12-01 1639.29 1075.33 463.96 100.00 205899.06 101 2035-01-01 1639.29 1072.39 466.90 100.00 205332.16 102 2035-02-01 1639.29 1069.44 469.85 100.00 204762.30 103 2035-03-01 1639.29 1066.47 472.82 100.00 204189.48 104 2035-04-01 1639.29 1063.49 475.81 100.00 203613.67 105 2035-05-01 1639.29 1060.49 478.81 100.00 203034.87 106 2035-06-01 1639.29 1057.47 481.82 100.00 202453.05 107 2035-07-01 1639.29 1054.44 484.85 100.00 201868.20 108 2035-08-01 1639.29 1051.40 487.90 100.00 201280.30 109 2035-09-01 1639.29 1048.33 490.96 100.00 200689.34 110 2035-10-01 1639.29 1045.26 494.04 100.00 200095.31 111 2035-11-01 1639.29 1042.16 497.13 100.00 199498.18 112 2035-12-01 1639.29 1039.05 500.24 100.00 198897.94 113 2036-01-01 1639.29 1035.93 503.37 100.00 198294.57 114 2036-02-01 1639.29 1032.78 506.51 100.00 197688.06 115 2036-03-01 1639.29 1029.63 509.67 100.00 197078.39 116 2036-04-01 1639.29 1026.45 512.84 100.00 196465.55 117 2036-05-01 1639.29 1023.26 516.03 100.00 195849.52 118 2036-06-01 1639.29 1020.05 519.24 100.00 195230.27 119 2036-07-01 1639.29 1016.82 522.47 100.00 194607.80 120 2036-08-01 1639.29 1013.58 525.71 100.00 193982.09 121 2036-09-01 1639.29 1010.32 528.97 100.00 193353.12 122 2036-10-01 1639.29 1007.05 532.25 100.00 192720.88 123 2036-11-01 1639.29 1003.75 535.54 100.00 192085.34 124 2036-12-01 1639.29 1000.44 538.85 100.00 191446.49 125 2037-01-01 1639.29 997.12 542.18 100.00 190804.32 126 2037-02-01 1639.29 993.77 545.52 100.00 190158.79 127 2037-03-01 1639.29 990.41 548.88 100.00 189509.91 128 2037-04-01 1639.29 987.03 552.26 100.00 188857.65 129 2037-05-01 1639.29 983.63 555.66 100.00 188201.99 130 2037-06-01 1639.29 980.22 559.07 100.00 187542.92 131 2037-07-01 1639.29 976.79 562.51 100.00 186880.41 132 2037-08-01 1639.29 973.34 565.96 100.00 186214.45 133 2037-09-01 1639.29 969.87 569.43 100.00 185545.03 134 2037-10-01 1639.29 966.38 572.91 100.00 184872.11 135 2037-11-01 1639.29 962.88 576.42 100.00 184195.70 136 2037-12-01 1639.29 959.35 579.94 100.00 183515.76 137 2038-01-01 1639.29 955.81 583.48 100.00 182832.27 138 2038-02-01 1639.29 952.25 587.04 100.00 182145.23 139 2038-03-01 1639.29 948.67 590.62 100.00 181454.61 140 2038-04-01 1639.29 945.08 594.22 100.00 180760.40 141 2038-05-01 1639.29 941.46 597.83 100.00 180062.56 142 2038-06-01 1639.29 937.83 601.47 100.00 179361.10 143 2038-07-01 1639.29 934.17 605.12 100.00 178655.97 144 2038-08-01 1639.29 930.50 608.79 100.00 177947.18 145 2038-09-01 1639.29 926.81 612.48 100.00 177234.70 146 2038-10-01 1639.29 923.10 616.20 100.00 176518.50 147 2038-11-01 1639.29 919.37 619.93 100.00 175798.58 148 2038-12-01 1639.29 915.62 623.68 100.00 175074.90 149 2039-01-01 1639.29 911.85 627.44 100.00 174347.46 150 2039-02-01 1639.29 908.06 631.23 100.00 173616.22 151 2039-03-01 1639.29 904.25 635.04 100.00 172881.18 152 2039-04-01 1639.29 900.42 638.87 100.00 172142.31 153 2039-05-01 1639.29 896.57 642.72 100.00 171399.59 154 2039-06-01 1639.29 892.71 646.59 100.00 170653.00 155 2039-07-01 1639.29 888.82 650.48 100.00 169902.53 156 2039-08-01 1639.29 884.91 654.38 100.00 169148.15 157 2039-09-01 1639.29 880.98 658.31 100.00 168389.83 158 2039-10-01 1639.29 877.03 662.26 100.00 167627.57 159 2039-11-01 1639.29 873.06 666.23 100.00 166861.34 160 2039-12-01 1639.29 869.07 670.22 100.00 166091.11 161 2040-01-01 1639.29 865.06 674.24 100.00 165316.88 162 2040-02-01 1639.29 861.03 678.27 100.00 164538.61 163 2040-03-01 1639.29 856.97 682.32 100.00 163756.29 164 2040-04-01 1639.29 852.90 686.40 100.00 162969.89 165 2040-05-01 1639.29 848.80 690.49 100.00 162179.40 166 2040-06-01 1639.29 844.68 694.61 100.00 161384.79 167 2040-07-01 1639.29 840.55 698.75 100.00 160586.05 168 2040-08-01 1639.29 836.39 702.91 100.00 159783.14 169 2040-09-01 1639.29 832.20 707.09 100.00 158976.05 170 2040-10-01 1639.29 828.00 711.29 100.00 158164.76 171 2040-11-01 1639.29 823.77 715.52 100.00 157349.24 172 2040-12-01 1639.29 819.53 719.77 100.00 156529.47 173 2041-01-01 1639.29 815.26 724.04 100.00 155705.44 174 2041-02-01 1639.29 810.97 728.33 100.00 154877.11 175 2041-03-01 1639.29 806.65 732.64 100.00 154044.47 176 2041-04-01 1639.29 802.31 736.98 100.00 153207.49 177 2041-05-01 1639.29 797.96 741.34 100.00 152366.15 178 2041-06-01 1639.29 793.57 745.72 100.00 151520.44 179 2041-07-01 1639.29 789.17 750.12 100.00 150670.31 180 2041-08-01 1639.29 784.74 754.55 100.00 149815.76 181 2041-09-01 1639.29 780.29 759.00 100.00 148956.76 182 2041-10-01 1639.29 775.82 763.48 100.00 148093.28 183 2041-11-01 1639.29 771.32 767.97 100.00 147225.31 184 2041-12-01 1639.29 766.80 772.49 100.00 146352.81 185 2042-01-01 1639.29 762.25 777.04 100.00 145475.77 186 2042-02-01 1639.29 757.69 781.61 100.00 144594.17 187 2042-03-01 1639.29 753.09 786.20 100.00 143707.97 188 2042-04-01 1639.29 748.48 790.81 100.00 142817.15 189 2042-05-01 1639.29 743.84 795.45 100.00 141921.70 190 2042-06-01 1639.29 739.18 800.12 100.00 141021.58 191 2042-07-01 1639.29 734.49 804.81 100.00 140116.78 192 2042-08-01 1639.29 729.77 809.52 100.00 139207.26 193 2042-09-01 1639.29 725.04 814.26 100.00 138293.00 194 2042-10-01 1639.29 720.28 819.02 100.00 137373.99 195 2042-11-01 1639.29 715.49 823.80 100.00 136450.18 196 2042-12-01 1639.29 710.68 828.61 100.00 135521.57 197 2043-01-01 1639.29 705.84 833.45 100.00 134588.12 198 2043-02-01 1639.29 700.98 838.31 100.00 133649.80 199 2043-03-01 1639.29 696.09 843.20 100.00 132706.60 200 2043-04-01 1639.29 691.18 848.11 100.00 131758.49 201 2043-05-01 1639.29 686.24 853.05 100.00 130805.44 202 2043-06-01 1639.29 681.28 858.01 100.00 129847.43 203 2043-07-01 1639.29 676.29 863.00 100.00 128884.42 204 2043-08-01 1639.29 671.27 868.02 100.00 127916.40 205 2043-09-01 1639.29 666.23 873.06 100.00 126943.34 206 2043-10-01 1639.29 661.16 878.13 100.00 125965.21 207 2043-11-01 1639.29 656.07 883.22 100.00 124981.99 208 2043-12-01 1639.29 650.95 888.35 100.00 123993.64 209 2044-01-01 1639.29 645.80 893.49 100.00 123000.15 210 2044-02-01 1639.29 640.63 898.67 100.00 122001.48 211 2044-03-01 1639.29 635.42 903.87 100.00 120997.61 212 2044-04-01 1639.29 630.20 909.10 100.00 119988.51 213 2044-05-01 1639.29 624.94 914.35 100.00 118974.16 214 2044-06-01 1639.29 619.66 919.64 100.00 117954.53 215 2044-07-01 1639.29 614.35 924.95 100.00 116929.58 216 2044-08-01 1639.29 609.01 930.28 100.00 115899.29 217 2044-09-01 1639.29 603.64 935.65 100.00 114863.64 218 2044-10-01 1639.29 598.25 941.04 100.00 113822.60 219 2044-11-01 1639.29 592.83 946.47 100.00 112776.13 220 2044-12-01 1639.29 587.38 951.92 100.00 111724.21 221 2045-01-01 1639.29 581.90 957.40 100.00 110666.82 222 2045-02-01 1639.29 576.39 962.90 100.00 109603.92 223 2045-03-01 1639.29 570.85 968.44 100.00 108535.48 224 2045-04-01 1639.29 565.29 974.00 100.00 107461.47 225 2045-05-01 1639.29 559.70 979.60 100.00 106381.87 226 2045-06-01 1639.29 554.07 985.22 100.00 105296.65 227 2045-07-01 1639.29 548.42 990.87 100.00 104205.78 228 2045-08-01 1639.29 542.74 996.55 100.00 103109.23 229 2045-09-01 1639.29 537.03 1002.27 100.00 102006.96 230 2045-10-01 1639.29 531.29 1008.01 100.00 100898.95 231 2045-11-01 1639.29 525.52 1013.78 100.00 99785.18 232 2045-12-01 1639.29 519.71 1019.58 100.00 98665.60 233 2046-01-01 1639.29 513.88 1025.41 100.00 97540.19 234 2046-02-01 1639.29 508.02 1031.27 100.00 96408.92 235 2046-03-01 1639.29 502.13 1037.16 100.00 95271.75 236 2046-04-01 1639.29 496.21 1043.09 100.00 94128.67 237 2046-05-01 1639.29 490.25 1049.04 100.00 92979.63 238 2046-06-01 1639.29 484.27 1055.02 100.00 91824.60 239 2046-07-01 1639.29 478.25 1061.04 100.00 90663.56 240 2046-08-01 1639.29 472.21 1067.09 100.00 89496.48 241 2046-09-01 1639.29 466.13 1073.17 100.00 88323.31 242 2046-10-01 1639.29 460.02 1079.28 100.00 87144.04 243 2046-11-01 1639.29 453.88 1085.42 100.00 85958.62 244 2046-12-01 1639.29 447.70 1091.59 100.00 84767.03 245 2047-01-01 1639.29 441.49 1097.80 100.00 83569.23 246 2047-02-01 1639.29 435.26 1104.04 100.00 82365.19 247 2047-03-01 1639.29 428.99 1110.31 100.00 81154.88 248 2047-04-01 1639.29 422.68 1116.61 100.00 79938.27 249 2047-05-01 1639.29 416.35 1122.95 100.00 78715.32 250 2047-06-01 1639.29 409.98 1129.32 100.00 77486.01 251 2047-07-01 1639.29 403.57 1135.72 100.00 76250.29 252 2047-08-01 1639.29 397.14 1142.16 100.00 75008.13 253 2047-09-01 1639.29 390.67 1148.63 100.00 73759.50 254 2047-10-01 1639.29 384.16 1155.13 100.00 72504.38 255 2047-11-01 1639.29 377.63 1161.67 100.00 71242.71 256 2047-12-01 1639.29 371.06 1168.24 100.00 69974.47 257 2048-01-01 1639.29 364.45 1174.84 100.00 68699.63 258 2048-02-01 1639.29 357.81 1181.48 100.00 67418.15 259 2048-03-01 1639.29 351.14 1188.16 100.00 66129.99 260 2048-04-01 1639.29 344.43 1194.87 100.00 64835.12 261 2048-05-01 1639.29 337.68 1201.61 100.00 63533.51 262 2048-06-01 1639.29 330.90 1208.39 100.00 62225.13 263 2048-07-01 1639.29 324.09 1215.20 100.00 60909.92 264 2048-08-01 1639.29 317.24 1222.05 100.00 59587.87 265 2048-09-01 1639.29 310.35 1228.94 100.00 58258.93 266 2048-10-01 1639.29 303.43 1235.86 100.00 56923.07 267 2048-11-01 1639.29 296.47 1242.82 100.00 55580.25 268 2048-12-01 1639.29 289.48 1249.81 100.00 54230.44 269 2049-01-01 1639.29 282.45 1256.84 100.00 52873.59 270 2049-02-01 1639.29 275.38 1263.91 100.00 51509.68 271 2049-03-01 1639.29 268.28 1271.01 100.00 50138.67 272 2049-04-01 1639.29 261.14 1278.15 100.00 48760.52 273 2049-05-01 1639.29 253.96 1285.33 100.00 47375.18 274 2049-06-01 1639.29 246.75 1292.55 100.00 45982.64 275 2049-07-01 1639.29 239.49 1299.80 100.00 44582.84 276 2049-08-01 1639.29 232.20 1307.09 100.00 43175.75 277 2049-09-01 1639.29 224.87 1314.42 100.00 41761.33 278 2049-10-01 1639.29 217.51 1321.79 100.00 40339.54 279 2049-11-01 1639.29 210.10 1329.19 100.00 38910.35 280 2049-12-01 1639.29 202.66 1336.63 100.00 37473.71 281 2050-01-01 1639.29 195.18 1344.12 100.00 36029.60 282 2050-02-01 1639.29 187.65 1351.64 100.00 34577.96 283 2050-03-01 1639.29 180.09 1359.20 100.00 33118.76 284 2050-04-01 1639.29 172.49 1366.80 100.00 31651.96 285 2050-05-01 1639.29 164.85 1374.44 100.00 30177.52 286 2050-06-01 1639.29 157.17 1382.12 100.00 28695.40 287 2050-07-01 1639.29 149.46 1389.84 100.00 27205.56 288 2050-08-01 1639.29 141.70 1397.60 100.00 25707.97 289 2050-09-01 1639.29 133.90 1405.40 100.00 24202.57 290 2050-10-01 1639.29 126.06 1413.24 100.00 22689.33 291 2050-11-01 1639.29 118.17 1421.12 100.00 21168.21 292 2050-12-01 1639.29 110.25 1429.04 100.00 19639.17 293 2051-01-01 1639.29 102.29 1437.01 100.00 18102.16 294 2051-02-01 1639.29 94.28 1445.01 100.00 16557.15 295 2051-03-01 1639.29 86.24 1453.06 100.00 15004.10 296 2051-04-01 1639.29 78.15 1461.15 100.00 13442.95 297 2051-05-01 1639.29 70.02 1469.28 100.00 11873.67 298 2051-06-01 1639.29 61.84 1477.45 100.00 10296.22 299 2051-07-01 1639.29 53.63 1485.67 100.00 8710.55 300 2051-08-01 1639.29 45.37 1493.93 100.00 7116.63 301 2051-09-01 1639.29 37.07 1502.23 100.00 5514.40 302 2051-10-01 1639.29 28.72 1510.57 100.00 3903.83 303 2051-11-01 1639.29 20.33 1518.96 100.00 2284.87 304 2051-12-01 1639.29 11.90 1527.39 100.00 657.48 305 2052-01-01 660.90 3.42 657.48 0.00 0.00 ======================================== Eksport CSV: Nazwa kredytu,"Home loan example" Nr,Data,Spłata,Odsetki,Kapitał,Dodatkowa spłata,Saldo 1,2026-09-01,1639.29,1302.08,237.21,100.00,249662.79 2,2026-10-01,1639.29,1300.33,238.97,100.00,249323.82 3,2026-11-01,1639.29,1298.56,240.73,100.00,248983.09 4,2026-12-01,1639.29,1296.79,242.51,100.00,248640.59 5,2027-01-01,1639.29,1295.00,244.29,100.00,248296.30 6,2027-02-01,1639.29,1293.21,246.08,100.00,247950.21 7,2027-03-01,1639.29,1291.41,247.89,100.00,247602.33 8,2027-04-01,1639.29,1289.60,249.70,100.00,247252.63 9,2027-05-01,1639.29,1287.77,251.52,100.00,246901.11 10,2027-06-01,1639.29,1285.94,253.35,100.00,246547.76 11,2027-07-01,1639.29,1284.10,255.19,100.00,246192.57 12,2027-08-01,1639.29,1282.25,257.04,100.00,245835.53 13,2027-09-01,1639.29,1280.39,258.90,100.00,245476.63 14,2027-10-01,1639.29,1278.52,260.77,100.00,245115.86 15,2027-11-01,1639.29,1276.65,262.65,100.00,244753.22 16,2027-12-01,1639.29,1274.76,264.54,100.00,244388.68 17,2028-01-01,1639.29,1272.86,266.44,100.00,244022.24 18,2028-02-01,1639.29,1270.95,268.34,100.00,243653.90 19,2028-03-01,1639.29,1269.03,270.26,100.00,243283.64 20,2028-04-01,1639.29,1267.10,272.19,100.00,242911.45 21,2028-05-01,1639.29,1265.16,274.13,100.00,242537.32 22,2028-06-01,1639.29,1263.22,276.08,100.00,242161.24 23,2028-07-01,1639.29,1261.26,278.04,100.00,241783.20 24,2028-08-01,1639.29,1259.29,280.01,100.00,241403.20 25,2028-09-01,1639.29,1257.31,281.98,100.00,241021.21 26,2028-10-01,1639.29,1255.32,283.97,100.00,240637.24 27,2028-11-01,1639.29,1253.32,285.97,100.00,240251.26 28,2028-12-01,1639.29,1251.31,287.98,100.00,239863.28 29,2029-01-01,1639.29,1249.29,290.01,100.00,239473.28 30,2029-02-01,1639.29,1247.26,292.04,100.00,239081.24 31,2029-03-01,1639.29,1245.21,294.08,100.00,238687.16 32,2029-04-01,1639.29,1243.16,296.13,100.00,238291.03 33,2029-05-01,1639.29,1241.10,298.19,100.00,237892.84 34,2029-06-01,1639.29,1239.03,300.27,100.00,237492.57 35,2029-07-01,1639.29,1236.94,302.35,100.00,237090.22 36,2029-08-01,1639.29,1234.84,304.45,100.00,236685.77 37,2029-09-01,1639.29,1232.74,306.55,100.00,236279.21 38,2029-10-01,1639.29,1230.62,308.67,100.00,235870.54 39,2029-11-01,1639.29,1228.49,310.80,100.00,235459.74 40,2029-12-01,1639.29,1226.35,312.94,100.00,235046.80 41,2030-01-01,1639.29,1224.20,315.09,100.00,234631.71 42,2030-02-01,1639.29,1222.04,317.25,100.00,234214.46 43,2030-03-01,1639.29,1219.87,319.43,100.00,233795.03 44,2030-04-01,1639.29,1217.68,321.61,100.00,233373.42 45,2030-05-01,1639.29,1215.49,323.81,100.00,232949.61 46,2030-06-01,1639.29,1213.28,326.01,100.00,232523.60 47,2030-07-01,1639.29,1211.06,328.23,100.00,232095.37 48,2030-08-01,1639.29,1208.83,330.46,100.00,231664.90 49,2030-09-01,1639.29,1206.59,332.70,100.00,231232.20 50,2030-10-01,1639.29,1204.33,334.96,100.00,230797.24 51,2030-11-01,1639.29,1202.07,337.22,100.00,230360.02 52,2030-12-01,1639.29,1199.79,339.50,100.00,229920.52 53,2031-01-01,1639.29,1197.50,341.79,100.00,229478.72 54,2031-02-01,1639.29,1195.20,344.09,100.00,229034.63 55,2031-03-01,1639.29,1192.89,346.40,100.00,228588.23 56,2031-04-01,1639.29,1190.56,348.73,100.00,228139.50 57,2031-05-01,1639.29,1188.23,351.07,100.00,227688.43 58,2031-06-01,1639.29,1185.88,353.42,100.00,227235.02 59,2031-07-01,1639.29,1183.52,355.78,100.00,226779.24 60,2031-08-01,1639.29,1181.14,358.15,100.00,226321.09 61,2031-09-01,1639.29,1178.76,360.54,100.00,225860.55 62,2031-10-01,1639.29,1176.36,362.94,100.00,225397.62 63,2031-11-01,1639.29,1173.95,365.35,100.00,224932.27 64,2031-12-01,1639.29,1171.52,367.77,100.00,224464.50 65,2032-01-01,1639.29,1169.09,370.21,100.00,223994.29 66,2032-02-01,1639.29,1166.64,372.66,100.00,223521.64 67,2032-03-01,1639.29,1164.18,375.12,100.00,223046.52 68,2032-04-01,1639.29,1161.70,377.59,100.00,222568.93 69,2032-05-01,1639.29,1159.21,380.08,100.00,222088.85 70,2032-06-01,1639.29,1156.71,382.58,100.00,221606.26 71,2032-07-01,1639.29,1154.20,385.09,100.00,221121.17 72,2032-08-01,1639.29,1151.67,387.62,100.00,220633.55 73,2032-09-01,1639.29,1149.13,390.16,100.00,220143.39 74,2032-10-01,1639.29,1146.58,392.71,100.00,219650.68 75,2032-11-01,1639.29,1144.01,395.28,100.00,219155.40 76,2032-12-01,1639.29,1141.43,397.86,100.00,218657.54 77,2033-01-01,1639.29,1138.84,400.45,100.00,218157.09 78,2033-02-01,1639.29,1136.23,403.06,100.00,217654.03 79,2033-03-01,1639.29,1133.61,405.68,100.00,217148.35 80,2033-04-01,1639.29,1130.98,408.31,100.00,216640.04 81,2033-05-01,1639.29,1128.33,410.96,100.00,216129.08 82,2033-06-01,1639.29,1125.67,413.62,100.00,215615.46 83,2033-07-01,1639.29,1123.00,416.30,100.00,215099.16 84,2033-08-01,1639.29,1120.31,418.98,100.00,214580.18 85,2033-09-01,1639.29,1117.61,421.69,100.00,214058.49 86,2033-10-01,1639.29,1114.89,424.41,100.00,213534.09 87,2033-11-01,1639.29,1112.16,427.14,100.00,213006.95 88,2033-12-01,1639.29,1109.41,429.88,100.00,212477.07 89,2034-01-01,1639.29,1106.65,432.64,100.00,211944.43 90,2034-02-01,1639.29,1103.88,435.42,100.00,211409.01 91,2034-03-01,1639.29,1101.09,438.20,100.00,210870.81 92,2034-04-01,1639.29,1098.29,441.01,100.00,210329.80 93,2034-05-01,1639.29,1095.47,443.83,100.00,209785.97 94,2034-06-01,1639.29,1092.64,446.66,100.00,209239.32 95,2034-07-01,1639.29,1089.79,449.50,100.00,208689.81 96,2034-08-01,1639.29,1086.93,452.37,100.00,208137.44 97,2034-09-01,1639.29,1084.05,455.24,100.00,207582.20 98,2034-10-01,1639.29,1081.16,458.14,100.00,207024.06 99,2034-11-01,1639.29,1078.25,461.04,100.00,206463.02 100,2034-12-01,1639.29,1075.33,463.96,100.00,205899.06 101,2035-01-01,1639.29,1072.39,466.90,100.00,205332.16 102,2035-02-01,1639.29,1069.44,469.85,100.00,204762.30 103,2035-03-01,1639.29,1066.47,472.82,100.00,204189.48 104,2035-04-01,1639.29,1063.49,475.81,100.00,203613.67 105,2035-05-01,1639.29,1060.49,478.81,100.00,203034.87 106,2035-06-01,1639.29,1057.47,481.82,100.00,202453.05 107,2035-07-01,1639.29,1054.44,484.85,100.00,201868.20 108,2035-08-01,1639.29,1051.40,487.90,100.00,201280.30 109,2035-09-01,1639.29,1048.33,490.96,100.00,200689.34 110,2035-10-01,1639.29,1045.26,494.04,100.00,200095.31 111,2035-11-01,1639.29,1042.16,497.13,100.00,199498.18 112,2035-12-01,1639.29,1039.05,500.24,100.00,198897.94 113,2036-01-01,1639.29,1035.93,503.37,100.00,198294.57 114,2036-02-01,1639.29,1032.78,506.51,100.00,197688.06 115,2036-03-01,1639.29,1029.63,509.67,100.00,197078.39 116,2036-04-01,1639.29,1026.45,512.84,100.00,196465.55 117,2036-05-01,1639.29,1023.26,516.03,100.00,195849.52 118,2036-06-01,1639.29,1020.05,519.24,100.00,195230.27 119,2036-07-01,1639.29,1016.82,522.47,100.00,194607.80 120,2036-08-01,1639.29,1013.58,525.71,100.00,193982.09 121,2036-09-01,1639.29,1010.32,528.97,100.00,193353.12 122,2036-10-01,1639.29,1007.05,532.25,100.00,192720.88 123,2036-11-01,1639.29,1003.75,535.54,100.00,192085.34 124,2036-12-01,1639.29,1000.44,538.85,100.00,191446.49 125,2037-01-01,1639.29,997.12,542.18,100.00,190804.32 126,2037-02-01,1639.29,993.77,545.52,100.00,190158.79 127,2037-03-01,1639.29,990.41,548.88,100.00,189509.91 128,2037-04-01,1639.29,987.03,552.26,100.00,188857.65 129,2037-05-01,1639.29,983.63,555.66,100.00,188201.99 130,2037-06-01,1639.29,980.22,559.07,100.00,187542.92 131,2037-07-01,1639.29,976.79,562.51,100.00,186880.41 132,2037-08-01,1639.29,973.34,565.96,100.00,186214.45 133,2037-09-01,1639.29,969.87,569.43,100.00,185545.03 134,2037-10-01,1639.29,966.38,572.91,100.00,184872.11 135,2037-11-01,1639.29,962.88,576.42,100.00,184195.70 136,2037-12-01,1639.29,959.35,579.94,100.00,183515.76 137,2038-01-01,1639.29,955.81,583.48,100.00,182832.27 138,2038-02-01,1639.29,952.25,587.04,100.00,182145.23 139,2038-03-01,1639.29,948.67,590.62,100.00,181454.61 140,2038-04-01,1639.29,945.08,594.22,100.00,180760.40 141,2038-05-01,1639.29,941.46,597.83,100.00,180062.56 142,2038-06-01,1639.29,937.83,601.47,100.00,179361.10 143,2038-07-01,1639.29,934.17,605.12,100.00,178655.97 144,2038-08-01,1639.29,930.50,608.79,100.00,177947.18 145,2038-09-01,1639.29,926.81,612.48,100.00,177234.70 146,2038-10-01,1639.29,923.10,616.20,100.00,176518.50 147,2038-11-01,1639.29,919.37,619.93,100.00,175798.58 148,2038-12-01,1639.29,915.62,623.68,100.00,175074.90 149,2039-01-01,1639.29,911.85,627.44,100.00,174347.46 150,2039-02-01,1639.29,908.06,631.23,100.00,173616.22 151,2039-03-01,1639.29,904.25,635.04,100.00,172881.18 152,2039-04-01,1639.29,900.42,638.87,100.00,172142.31 153,2039-05-01,1639.29,896.57,642.72,100.00,171399.59 154,2039-06-01,1639.29,892.71,646.59,100.00,170653.00 155,2039-07-01,1639.29,888.82,650.48,100.00,169902.53 156,2039-08-01,1639.29,884.91,654.38,100.00,169148.15 157,2039-09-01,1639.29,880.98,658.31,100.00,168389.83 158,2039-10-01,1639.29,877.03,662.26,100.00,167627.57 159,2039-11-01,1639.29,873.06,666.23,100.00,166861.34 160,2039-12-01,1639.29,869.07,670.22,100.00,166091.11 161,2040-01-01,1639.29,865.06,674.24,100.00,165316.88 162,2040-02-01,1639.29,861.03,678.27,100.00,164538.61 163,2040-03-01,1639.29,856.97,682.32,100.00,163756.29 164,2040-04-01,1639.29,852.90,686.40,100.00,162969.89 165,2040-05-01,1639.29,848.80,690.49,100.00,162179.40 166,2040-06-01,1639.29,844.68,694.61,100.00,161384.79 167,2040-07-01,1639.29,840.55,698.75,100.00,160586.05 168,2040-08-01,1639.29,836.39,702.91,100.00,159783.14 169,2040-09-01,1639.29,832.20,707.09,100.00,158976.05 170,2040-10-01,1639.29,828.00,711.29,100.00,158164.76 171,2040-11-01,1639.29,823.77,715.52,100.00,157349.24 172,2040-12-01,1639.29,819.53,719.77,100.00,156529.47 173,2041-01-01,1639.29,815.26,724.04,100.00,155705.44 174,2041-02-01,1639.29,810.97,728.33,100.00,154877.11 175,2041-03-01,1639.29,806.65,732.64,100.00,154044.47 176,2041-04-01,1639.29,802.31,736.98,100.00,153207.49 177,2041-05-01,1639.29,797.96,741.34,100.00,152366.15 178,2041-06-01,1639.29,793.57,745.72,100.00,151520.44 179,2041-07-01,1639.29,789.17,750.12,100.00,150670.31 180,2041-08-01,1639.29,784.74,754.55,100.00,149815.76 181,2041-09-01,1639.29,780.29,759.00,100.00,148956.76 182,2041-10-01,1639.29,775.82,763.48,100.00,148093.28 183,2041-11-01,1639.29,771.32,767.97,100.00,147225.31 184,2041-12-01,1639.29,766.80,772.49,100.00,146352.81 185,2042-01-01,1639.29,762.25,777.04,100.00,145475.77 186,2042-02-01,1639.29,757.69,781.61,100.00,144594.17 187,2042-03-01,1639.29,753.09,786.20,100.00,143707.97 188,2042-04-01,1639.29,748.48,790.81,100.00,142817.15 189,2042-05-01,1639.29,743.84,795.45,100.00,141921.70 190,2042-06-01,1639.29,739.18,800.12,100.00,141021.58 191,2042-07-01,1639.29,734.49,804.81,100.00,140116.78 192,2042-08-01,1639.29,729.77,809.52,100.00,139207.26 193,2042-09-01,1639.29,725.04,814.26,100.00,138293.00 194,2042-10-01,1639.29,720.28,819.02,100.00,137373.99 195,2042-11-01,1639.29,715.49,823.80,100.00,136450.18 196,2042-12-01,1639.29,710.68,828.61,100.00,135521.57 197,2043-01-01,1639.29,705.84,833.45,100.00,134588.12 198,2043-02-01,1639.29,700.98,838.31,100.00,133649.80 199,2043-03-01,1639.29,696.09,843.20,100.00,132706.60 200,2043-04-01,1639.29,691.18,848.11,100.00,131758.49 201,2043-05-01,1639.29,686.24,853.05,100.00,130805.44 202,2043-06-01,1639.29,681.28,858.01,100.00,129847.43 203,2043-07-01,1639.29,676.29,863.00,100.00,128884.42 204,2043-08-01,1639.29,671.27,868.02,100.00,127916.40 205,2043-09-01,1639.29,666.23,873.06,100.00,126943.34 206,2043-10-01,1639.29,661.16,878.13,100.00,125965.21 207,2043-11-01,1639.29,656.07,883.22,100.00,124981.99 208,2043-12-01,1639.29,650.95,888.35,100.00,123993.64 209,2044-01-01,1639.29,645.80,893.49,100.00,123000.15 210,2044-02-01,1639.29,640.63,898.67,100.00,122001.48 211,2044-03-01,1639.29,635.42,903.87,100.00,120997.61 212,2044-04-01,1639.29,630.20,909.10,100.00,119988.51 213,2044-05-01,1639.29,624.94,914.35,100.00,118974.16 214,2044-06-01,1639.29,619.66,919.64,100.00,117954.53 215,2044-07-01,1639.29,614.35,924.95,100.00,116929.58 216,2044-08-01,1639.29,609.01,930.28,100.00,115899.29 217,2044-09-01,1639.29,603.64,935.65,100.00,114863.64 218,2044-10-01,1639.29,598.25,941.04,100.00,113822.60 219,2044-11-01,1639.29,592.83,946.47,100.00,112776.13 220,2044-12-01,1639.29,587.38,951.92,100.00,111724.21 221,2045-01-01,1639.29,581.90,957.40,100.00,110666.82 222,2045-02-01,1639.29,576.39,962.90,100.00,109603.92 223,2045-03-01,1639.29,570.85,968.44,100.00,108535.48 224,2045-04-01,1639.29,565.29,974.00,100.00,107461.47 225,2045-05-01,1639.29,559.70,979.60,100.00,106381.87 226,2045-06-01,1639.29,554.07,985.22,100.00,105296.65 227,2045-07-01,1639.29,548.42,990.87,100.00,104205.78 228,2045-08-01,1639.29,542.74,996.55,100.00,103109.23 229,2045-09-01,1639.29,537.03,1002.27,100.00,102006.96 230,2045-10-01,1639.29,531.29,1008.01,100.00,100898.95 231,2045-11-01,1639.29,525.52,1013.78,100.00,99785.18 232,2045-12-01,1639.29,519.71,1019.58,100.00,98665.60 233,2046-01-01,1639.29,513.88,1025.41,100.00,97540.19 234,2046-02-01,1639.29,508.02,1031.27,100.00,96408.92 235,2046-03-01,1639.29,502.13,1037.16,100.00,95271.75 236,2046-04-01,1639.29,496.21,1043.09,100.00,94128.67 237,2046-05-01,1639.29,490.25,1049.04,100.00,92979.63 238,2046-06-01,1639.29,484.27,1055.02,100.00,91824.60 239,2046-07-01,1639.29,478.25,1061.04,100.00,90663.56 240,2046-08-01,1639.29,472.21,1067.09,100.00,89496.48 241,2046-09-01,1639.29,466.13,1073.17,100.00,88323.31 242,2046-10-01,1639.29,460.02,1079.28,100.00,87144.04 243,2046-11-01,1639.29,453.88,1085.42,100.00,85958.62 244,2046-12-01,1639.29,447.70,1091.59,100.00,84767.03 245,2047-01-01,1639.29,441.49,1097.80,100.00,83569.23 246,2047-02-01,1639.29,435.26,1104.04,100.00,82365.19 247,2047-03-01,1639.29,428.99,1110.31,100.00,81154.88 248,2047-04-01,1639.29,422.68,1116.61,100.00,79938.27 249,2047-05-01,1639.29,416.35,1122.95,100.00,78715.32 250,2047-06-01,1639.29,409.98,1129.32,100.00,77486.01 251,2047-07-01,1639.29,403.57,1135.72,100.00,76250.29 252,2047-08-01,1639.29,397.14,1142.16,100.00,75008.13 253,2047-09-01,1639.29,390.67,1148.63,100.00,73759.50 254,2047-10-01,1639.29,384.16,1155.13,100.00,72504.38 255,2047-11-01,1639.29,377.63,1161.67,100.00,71242.71 256,2047-12-01,1639.29,371.06,1168.24,100.00,69974.47 257,2048-01-01,1639.29,364.45,1174.84,100.00,68699.63 258,2048-02-01,1639.29,357.81,1181.48,100.00,67418.15 259,2048-03-01,1639.29,351.14,1188.16,100.00,66129.99 260,2048-04-01,1639.29,344.43,1194.87,100.00,64835.12 261,2048-05-01,1639.29,337.68,1201.61,100.00,63533.51 262,2048-06-01,1639.29,330.90,1208.39,100.00,62225.13 263,2048-07-01,1639.29,324.09,1215.20,100.00,60909.92 264,2048-08-01,1639.29,317.24,1222.05,100.00,59587.87 265,2048-09-01,1639.29,310.35,1228.94,100.00,58258.93 266,2048-10-01,1639.29,303.43,1235.86,100.00,56923.07 267,2048-11-01,1639.29,296.47,1242.82,100.00,55580.25 268,2048-12-01,1639.29,289.48,1249.81,100.00,54230.44 269,2049-01-01,1639.29,282.45,1256.84,100.00,52873.59 270,2049-02-01,1639.29,275.38,1263.91,100.00,51509.68 271,2049-03-01,1639.29,268.28,1271.01,100.00,50138.67 272,2049-04-01,1639.29,261.14,1278.15,100.00,48760.52 273,2049-05-01,1639.29,253.96,1285.33,100.00,47375.18 274,2049-06-01,1639.29,246.75,1292.55,100.00,45982.64 275,2049-07-01,1639.29,239.49,1299.80,100.00,44582.84 276,2049-08-01,1639.29,232.20,1307.09,100.00,43175.75 277,2049-09-01,1639.29,224.87,1314.42,100.00,41761.33 278,2049-10-01,1639.29,217.51,1321.79,100.00,40339.54 279,2049-11-01,1639.29,210.10,1329.19,100.00,38910.35 280,2049-12-01,1639.29,202.66,1336.63,100.00,37473.71 281,2050-01-01,1639.29,195.18,1344.12,100.00,36029.60 282,2050-02-01,1639.29,187.65,1351.64,100.00,34577.96 283,2050-03-01,1639.29,180.09,1359.20,100.00,33118.76 284,2050-04-01,1639.29,172.49,1366.80,100.00,31651.96 285,2050-05-01,1639.29,164.85,1374.44,100.00,30177.52 286,2050-06-01,1639.29,157.17,1382.12,100.00,28695.40 287,2050-07-01,1639.29,149.46,1389.84,100.00,27205.56 288,2050-08-01,1639.29,141.70,1397.60,100.00,25707.97 289,2050-09-01,1639.29,133.90,1405.40,100.00,24202.57 290,2050-10-01,1639.29,126.06,1413.24,100.00,22689.33 291,2050-11-01,1639.29,118.17,1421.12,100.00,21168.21 292,2050-12-01,1639.29,110.25,1429.04,100.00,19639.17 293,2051-01-01,1639.29,102.29,1437.01,100.00,18102.16 294,2051-02-01,1639.29,94.28,1445.01,100.00,16557.15 295,2051-03-01,1639.29,86.24,1453.06,100.00,15004.10 296,2051-04-01,1639.29,78.15,1461.15,100.00,13442.95 297,2051-05-01,1639.29,70.02,1469.28,100.00,11873.67 298,2051-06-01,1639.29,61.84,1477.45,100.00,10296.22 299,2051-07-01,1639.29,53.63,1485.67,100.00,8710.55 300,2051-08-01,1639.29,45.37,1493.93,100.00,7116.63 301,2051-09-01,1639.29,37.07,1502.23,100.00,5514.40 302,2051-10-01,1639.29,28.72,1510.57,100.00,3903.83 303,2051-11-01,1639.29,20.33,1518.96,100.00,2284.87 304,2051-12-01,1639.29,11.90,1527.39,100.00,657.48 305,2052-01-01,660.90,3.42,657.48,0.00,0.00
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Inne narzędzia, które mogą Ci się przydaćKalkulator harmonogramu spłat kredytu — tabela amortyzacji online
Kalkulator harmonogramu spłat kredytu oblicza szczegółowy plan spłat pożyczki lub kredytu — miesięczne raty, podział na kapitał i odsetki, saldo po każdej racie oraz całkowity koszt kredytu. Generuje pełną tabelę amortyzacji do pobrania.
Czym jest harmonogram spłat (amortyzacja)?
Harmonogram spłat (ang. amortization schedule) to szczegółowa tabela pokazująca podział każdej raty kredytowej na dwa składniki: część kapitałową (spłata pożyczonej kwoty) i część odsetkową (koszt korzystania z pieniędzy). Na początku spłaty większa część raty to odsetki, a mniejsza — kapitał. Z każdą kolejną ratą proporcja się odwraca — coraz więcej idzie na spłatę kapitału, a mniej na odsetki.
Rodzaje rat kredytowych
Raty równe (annuitetowe) — każda rata ma tę samą wysokość przez cały okres kredytowania. Jest to najczęstszy typ raty w kredytach hipotecznych i gotówkowych. Stała rata ułatwia planowanie budżetu, ale całkowity koszt odsetek jest wyższy niż w ratach malejących. Raty malejące (kapitałowe) — część kapitałowa jest stała w każdej racie (kwota kredytu / liczba rat), natomiast odsetki maleją z każdą kolejną ratą. Pierwsza rata jest najwyższa, ostatnia najniższa. Całkowity koszt odsetek jest niższy, ale wymaga wyższej zdolności kredytowej na początku spłat.
Jak używać kalkulatora?
Wprowadź: kwotę kredytu (np. 300 000 zł), roczną stopę procentową (np. 7,5%), okres kredytowania w miesiącach lub latach (np. 25 lat = 300 miesięcy) oraz typ raty (równe lub malejące). Kalkulator wygeneruje kompletną tabelę amortyzacji z podziałem na każdą ratę: numer raty, wysokość całkowitej raty, część kapitałowa, część odsetkowa, pozostałe saldo do spłaty. Możesz pobrać tabelę jako CSV lub wydrukować.
Całkowity koszt kredytu a RRSO
Całkowity koszt kredytu (CKK) to suma wszystkich rat minus kwota pożyczona — innymi słowy, ile łącznie zapłacisz odsetek. RRSO (Rzeczywista Roczna Stopa Oprocentowania) uwzględnia nie tylko oprocentowanie nominalne, ale też wszystkie prowizje, opłaty i ubezpieczenia. Porównując kredyty, zwracaj uwagę na RRSO, nie tylko na oprocentowanie nominalne — może się okazać, że tańszy nominalnie kredyt z wysokimi prowizjami jest droższy.
Wpływ wcześniejszej spłaty na harmonogram
Jeśli wpłacisz nadpłatę (dodatkowe pieniądze ponad ratę), możesz: skrócić okres kredytowania (o tę samą ratę — zaoszczędzisz na odsetkach) lub zmniejszyć wysokość raty (utrzymując ten sam okres). W Polsce banki mają obowiązek umożliwienia wcześniejszej spłaty — sprawdź, czy Twój kredyt ma opłatę za przedterminową spłatę (max. 3% przez pierwsze 3 lata dla kredytów o stałej stopie).
Najczęściej zadawane pytania
Jak obliczyć miesięczną ratę kredytu?
Wzór na ratę annuitetową: R = K × r / (1 - (1+r)^(-n)), gdzie K = kwota kredytu, r = miesięczna stopa procentowa (roczna/12), n = liczba rat. Przykład: 100 000 zł, 6% rocznie, 10 lat: r = 0,5%, n = 120. R = 100000 × 0,005 / (1-(1,005)^-120) ≈ 1110,21 zł miesięcznie.
Czy można obniżyć ratę kredytu po zaciągnięciu?
Tak — możliwości to: refinansowanie kredytu w innym banku po niższym oprocentowaniu, renegocjacja warunków z obecnym bankiem (jeśli stopy procentowe spadły), wydłużenie okresu kredytowania (niższa rata, ale więcej odsetek łącznie), wakacje kredytowe (tymczasowe zawieszenie rat — dostępne w niektórych bankach i okresach kryzysowych).
Jak sprawdzić, ile odsetek zapłacę przez cały okres kredytu?
Suma odsetek = (suma wszystkich rat) - (kwota kredytu). Kalkulator pokazuje tę wartość jako "całkowity koszt odsetek". Dla kredytu 300 000 zł na 25 lat przy oprocentowaniu 7,5% suma odsetek może wynosić ponad 300 000 zł — czyli płacisz za kredyt dwa razy tyle co pożyczyłeś.
Raty równe czy malejące — co wybrać?
Raty malejące: niższy całkowity koszt kredytu (mniej odsetek), ale wyższe początkowe raty (wymagają wyższej zdolności kredytowej). Raty równe: stała, przewidywalna rata przez cały okres — łatwiejsze planowanie budżetu. Banki często preferują raty równe, bo generują wyższy przychód z odsetek.
Co to są wakacje kredytowe i kiedy warto z nich skorzystać?
Wakacje kredytowe to tymczasowe zawieszenie spłaty rat (kapitałowych lub całkowitych) na określony czas. Odsetki zazwyczaj nadal narastają lub są doliczane do salda. Warto skorzystać przy przejściowym problemie finansowym (utrata pracy, choroba), ale pamiętaj — po wakacjach saldo jest wyższe i czas spłaty się wydłuża.