A client took a car for PLN 230,000, made a down payment and drove 15,000 km over 10 months. He chose to sell rather than buy. The car, still under active warranty, found a buyer for PLN 229,000.
Calculator
Do the math before you decide.
The formula is open and fixed for the whole contract. Pick the car price, set the down payment and you have your answer.
Miesięczny czynsz nettoCzynsz
Jedna kwota co miesiąc. Ta sama w umowie, w panelu i na fakturze.
Opłata administracyjna300 PLN
Koszty związane z obsługą umowy. Możliwość uzyskania rabatu.
Część zależna od kapitałukapitał ÷ 120
Spada z każdą kwartalną spłatą kapitału — na stałe.
Spłata 10 000 PLN kapitału obniża czynsz o 83,33 PLN nettoBez prowizji i zmiennych stawek
Calculator
Enter the car price and your down payment.
No canned examples. Give the exact price of the car you want and the down payment amount, and we'll calculate the rest.
PLN
PLN
Remaining capital (gross)115 000 PLN
Monthly rent
1 547 PLN gross / mo.
net: 1 258 PLN / mo.
from capital 958+ admin fee 300(net)
Indicative calculator. Exact terms are set individually. The rent is calculated net; gross includes 23% VAT.
How the rent falls over time
Your car at PLN 150 000, down payment PLN 35 000, capital PLN 115 000. How much do you repay each quarter?
PLN / qtr
Startmo. 1–31 258 PLNcapital 115 000
Q 1mo. 4–61 091 PLNcapital 95 000−167 / mo.
Q 2mo. 7–9925 PLNcapital 75 000−333 / mo.
Q 3mo. 10–12758 PLNcapital 55 000−500 / mo.
Q 4mo. 13–15591 PLNcapital 35 000−667 / mo.
Q 5mo. 16–18425 PLNcapital 15 000−833 / mo.
Q 6from mo. 19capital settledrent stops · the car is yours
the part that tracks capitaladministration fee — fixed
At PLN 20 000 a quarter you settle the whole capital in 6 quarters. The rent then stops and the car is yours.
Real-life example
10 months in a new Mercedes for PLN 16,000.
Car purchase pricePLN 230,000
Time used10 months
Mileage15,000 km
Sale pricePLN 229,000
Total cost, 10 mo.~PLN 16,000
The total cost of 10 months driving a new C-Class Mercedes is ~PLN 16,000 — the same as leasing instalments alone for 3–4 months, with no way to reverse the decision.
Questions about the calculator?
Let's go through the numbers together.
The consultation is free and no-obligation. We'll show you different scenarios, with a specific car and your down payment.