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The monthly model requires positive net proceeds after fees. Dated XIRR uses Actual/365. Fees and cash-flow signs must match the borrower's perspective; check the offer's statutory conventions.
These figures follow Polish tax and social-security law. They do not apply to any other country. Amounts are in Polish złoty (PLN).
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rata = rata annuitetowa z oprocentowania nominalnego + ubezpieczenie miesięcznekwota wypłacona = kwota kredytu − prowizja potrąconaRRSO = (1 + miesięczna IRR przepływów)^12 − 1Worked example
Worked example using the form's default values.
The monthly model requires positive net proceeds after fees. Dated XIRR uses Actual/365. Fees and cash-flow signs must match the borrower's perspective; check the offer's statutory conventions.
Use the same amount, horizon, dates and cost basis. Check whether the result is monthly or annual and what it includes. The comparison does not select offers or guarantee their availability.
A save is a snapshot. Load and recalculate it explicitly; the original remains a separate save. Check year, dates, units and assumptions before comparing.
A condition needed for the ratio or goal is missing. Correct the indicated value; do not treat this state as a favorable zero result.
Sources, retrieval dates and the next review are in the methodology. You enter prices, returns and forecasts. The calculator does not fetch offers or confirm individual eligibility.
The monthly model requires positive net proceeds after fees. Dated XIRR uses Actual/365. Fees and cash-flow signs must match the borrower's perspective; check the offer's statutory conventions.
