Poland mortgage calculator 2026
Enter the loan amount, interest rate and term to see the monthly payment under the Polish mortgage market.
Monthly payment: PLN 2,988.12
Total paid: PLN 1,075,718.85 · Total interest: PLN 575,718.85
Amortisation schedule
| Year | Interest | Principal | Balance |
|---|---|---|---|
| 1 | PLN 29,682.85 | PLN 6,174.59 | PLN 493,825.41 |
| 2 | PLN 29,303.98 | PLN 6,553.46 | PLN 487,271.95 |
| 3 | PLN 28,901.86 | PLN 6,955.58 | PLN 480,316.37 |
| 4 | PLN 28,475.05 | PLN 7,382.39 | PLN 472,933.98 |
| 5 | PLN 28,022.08 | PLN 7,835.36 | PLN 465,098.62 |
| 6 | PLN 27,541.30 | PLN 8,316.14 | PLN 456,782.48 |
| 7 | PLN 27,030.99 | PLN 8,826.45 | PLN 447,956.03 |
| 8 | PLN 26,489.41 | PLN 9,368.03 | PLN 438,588.00 |
| 9 | PLN 25,914.56 | PLN 9,942.88 | PLN 428,645.12 |
| 10 | PLN 25,304.46 | PLN 10,552.98 | PLN 418,092.14 |
| … | |||
| 30 | PLN 1,132.86 | PLN 34,720.23 | PLN 0.00 |
Bank rate comparison — Market average: 5.97 % (2026-Q1)
| Bank | Interest rate | Fixed period | Monthly payment |
|---|---|---|---|
| VeloBank | 5.81 % | 5 years | PLN 2,936.95 |
| Erste Bank | 5.83 % | 5 years | PLN 2,943.32 |
| Pekao | 6.01 % | 5 years | PLN 3,000.97 |
| PKO BP | 6.16 % | 5 years | PLN 3,049.38 |
This calculation is indicative only. Bank rates are a snapshot as of the date shown. It does not replace a binding bank offer.
How a Polish mortgage payment is calculated
A mortgage is repaid on an annuity basis — the payment stays constant during the fixed-rate period, only the interest/principal split changes.
M = P × i / (1 − (1 + i)⁻ⁿ), where P is the loan amount, i is the monthly rate (annual rate / 12) and n is the number of payments (years × 12).
Total interest is the difference between the sum of all payments and the original loan amount.
The calculator also compares current offers from Polish banks.
Examples: loan amount → monthly payment (default rate, 30 years)
| Loan amount | Monthly payment |
|---|---|
| PLN 300,000.00 | PLN 1,792.87 |
| PLN 500,000.00 | PLN 2,988.12 |
| PLN 700,000.00 | PLN 4,183.36 |
| PLN 900,000.00 | PLN 5,378.61 |
| PLN 1,200,000.00 | PLN 7,171.48 |
| PLN 1,800,000.00 | PLN 10,757.22 |
Frequently asked questions
How is the monthly mortgage payment calculated?
On an annuity basis, using M = P × i / (1 − (1+i)⁻ⁿ).
What is total interest?
The difference between the sum of all payments and the original loan amount.
Why do bank rates (RRSO) differ from the calculator?
The rates are a snapshot as of the date shown. The actual offer depends on creditworthiness.
What does a periodically-fixed rate mean?
A rate typically fixed for 5 years. After that, the bank offers a new rate.
How much can I borrow on my income?
That's answered by the separate creditworthiness calculator, applying the KNF Rekomendacja S recommendations (DSTI, LTV).
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Last updated: 18 July 2026