Spłać Kredyt
An application designed to calculate the optimal schedule and strategy for overpaying a mortgage, allowing you to achieve the best financial outcome.
Project Overview
Spłać Kredyt (Pay Off the Mortgage) is a tool designed to calculate the best way to overpay a mortgage in order to maximize financial benefits. It allows users to run detailed simulations of various repayment and investment scenarios.
Key Features
- Recurring Overpayments – Ability to plan regular, monthly overpayments to reduce the principal.
- One-time Overpayments – Entering single cash injections at specific points during the mortgage period.
- Variable Interest Rate (WIBOR) Strategies – Simulating various macroeconomic scenarios: cyclical changes, long-term decreases, increases, and other interest rate fluctuations.
- Comparison with Investing – A built-in analytical module that answers the question: “should I overpay the mortgage or invest a fixed amount?”, visualizing the differences in profits and costs between these two strategies.
- Repayment Schedule Table – A detailed breakdown of paid installments, interest, and remaining principal, taking into account all specified parameters on a timeline.
Application Screens
Main Screen
Parameters input panel and preview of all necessary initial settings.
Comparing Overpayment and Investing
A chart and summary that easily compare which path will be more beneficial for us.
Schedule Table
A detailed table breaking down the repayment for each subsequent month, showing the gains from overpayments and saved interest.
