Enter a one-off or monthly overpayment — we show both scenarios and how much interest you actually save.
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We'll send the PDF and let you know when market conditions change — e.g. after an NBP decision or when your bank cuts its margin.
Shortening the term usually saves more interest; lowering the instalment gives budget flexibility. We show both without pushing either.
It depends on your contract — some loans restrict overpayment in the first 36 months. Check the terms.
If your loan rate is higher than the real after-tax deposit rate, overpaying usually wins.
Estimates only; not investment advice. Terms depend on your contract.
