Mortgage calculator
Calculate your monthly mortgage payment: instalment, total interest and total cost. Free mortgage calculator 2026.
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Cash Loan Calculator 2026
Enter the loan amount, annual nominal interest rate, repayment term in months and any one-off origination fee. The calculator instantly shows the fixed monthly payment, total repayable amount and total interest cost — no registration needed.
How we calculate the monthly payment
The calculator uses the annuity (equal-instalment) formula: R = (P + F) × r / (1 − (1 + r)^−n), where P is the loan principal, F is the origination fee added to the principal, r = annual_rate / 12 (monthly periodic rate) and n is the number of instalments. Total interest = (R × n) − (P + F). Total cost = total interest + origination fee.
Example: PLN 20,000 over 36 months at 12%
Cash loan PLN 20,000, 12% annual interest, 36 instalments, PLN 0 fee: monthly payment ≈ PLN 664, total repaid ≈ PLN 23,904, total interest ≈ PLN 3,904. Adding a 2% origination fee (PLN 400) raises the financed amount to PLN 20,400, monthly payment ≈ PLN 677, total cost ≈ PLN 4,372.
Frequently asked questions
Indicative result
Calculator results are indicative and do not constitute a bank offer or financial advice. Actual loan parameters (APR, total cost, instalment) may differ depending on the lender's current offer, your credit history and additional charges stated in the contract.
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