Loan overpayment & early repayment calculator (2026)
Overpaying a loan almost always pays off — but HOW you do it matters enormously: for the same overpayment, shortening the term usually saves 2–3× more interest than lowering the instalment. This calculator shows both variants side by side — for a one-off and for a monthly overpayment. And if you repay in full, it also computes the proportional refund of the origination fee you are owed by law (art. 49 of the Consumer Credit Act, CJEU Lexitor; for mortgages art. 39).
Model: equal (annuity) instalments, fee-free overpayment, saving = difference in total interest to the end of the contract. Months rounded to full instalments. The refund uses a month-based proportion (banks count days — the difference is cosmetic).
An indicative, informational estimate — not legal advice or an offer. Overpayment terms (fees, minimum amount, allocation) are set by your loan agreement; the refund depends on the loan type and contract date.
Overpaying is one thing — a good rate is another. Compare offers →Your rights on repayment and overpayment (as of 2026)
Fee refund: on full early repayment of a consumer loan the bank must refund fees proportionally (art. 49 of the Consumer Credit Act, CJEU C-383/18 Lexitor, Supreme Court III CZP 45/19). For mortgages concluded from 22.07.2017 — analogously art. 39 (SC III CZP 144/22). The linear method is recommended by UOKiK and the Financial Ombudsman.
Bank's compensation: consumer loan — max 1% of the amount repaid (0.5% if a year or less remains). Variable-rate mortgage — only in the first 36 months of the contract, max 3% and no more than 12 months' interest; after 3 years overpayment must be free. Check your contract.
Banks often do not refund automatically — file a request citing the above. Consolidation and refinancing legally also count as early repayment, so the refund applies too.
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