Portfelik

Mortgage Overpayment Calculator

See how much interest you save and how much sooner you repay your loan by overpaying. Compare two options: shortening the loan term and lowering the monthly installment.

Loan parameters

PLN

Remaining term (years)

yrs

Interest rate

%

Installment type

Overpayment effect

Your installment stays the same and you repay the loan faster. This option saves the most interest.
Overpayments
Overpayment amount

PLN

From year
To year
Until the loan is repaid
Interest saved
PLN 156,931.57
Term reduced by
7 years 8 months
Total overpaid
PLN 103,500.00
Cost after overpayment
PLN 691,203.47
without overpayment: PLN 848,135.04
Spłata kredytu w czasie

Skumulowany podział wpłat na kapitał i odsetki w czasie. Zielona linia pokazuje malejące saldo kredytu do spłaty.

Struktura raty w czasie

Z czego składa się rata w każdym okresie — część spłacanego kapitału i część odsetkowa (koszt kredytu).

Track your mortgage and your net worth

Connect your mortgage with your savings and investments in Portfelik to see the full picture of your finances — in one place.

Create a free account

Frequently asked questions about overpaying a loan

An overpayment reduces the principal on which interest is charged, so it lowers the total cost of the loan — usually more so the higher the rate and the earlier you start. Still, compare this saving with the potential return from safely investing the same amount, and make sure you keep an emergency fund.

Shortening the term saves more interest because you repay the loan faster, but your installment stays the same. Lowering the installment eases your monthly budget, but the total interest saving is smaller. The toggle in the calculator shows both options.

For consumer mortgages, early-repayment fees are limited by law and, for variable-rate loans, usually no longer apply after the first 3 years. Check the details in your loan agreement before overpaying.

The calculator simulates the repayment schedule month by month with your overpayments and compares it to the schedule without them. The difference in total interest paid is your saving, and the difference in the number of installments is the term reduction.