{
  "model": "rezerwa-z-kredytu-v1-20261026",
  "published": "2026-10-26",
  "currency": "PLN",
  "precision": "70-digit Decimal; amounts rounded only for display, not between months. Rounded row components can differ in sums by a cent.",
  "baseComparison": {
    "neededLoanPLN": 50000,
    "largerLoanPLN": 70000,
    "annualNominalPercent": "10",
    "termMonths": 60,
    "smallerPaymentCents": 106235,
    "largerPaymentCents": 148729
  },
  "assumptions": [
    "Hypothetical equal monthly payments at month end. Nominal annual rate divided by 12 and unchanged.",
    "Both loan sizes have exactly the same rate and term. Additional payments are funded from other income, not from the untouched reserve.",
    "Unused reserve earns no interest. No fees, insurance, refunds, prepayment charge, rate changes or daily accrual.",
    "Marginal cost at a common horizon = extra payments made + extra remaining principal - unused cash. It equals interest paid for the extra principal.",
    "This measures the marginal reserve component; it does not promise the lender outcome of sending the whole original reserve as a prepayment."
  ],
  "scenarios": [
    {
      "model": "rezerwa-z-kredytu-v1-20261026",
      "reservePLN": 5000,
      "annualNominalPercent": "10",
      "termMonths": 60,
      "horizonMonths": 3,
      "extraPaymentCents": 10624,
      "extraPaidCents": 31871,
      "principalRepaidCents": 19532,
      "interestPaidCents": 12338,
      "remainingExtraBalanceCents": 480468,
      "unusedCashCents": 500000,
      "ledger": [
        {
          "month": 1,
          "paymentCents": 10624,
          "interestCents": 4167,
          "principalCents": 6457,
          "balanceCents": 493543
        },
        {
          "month": 2,
          "paymentCents": 10624,
          "interestCents": 4113,
          "principalCents": 6511,
          "balanceCents": 487032
        },
        {
          "month": 3,
          "paymentCents": 10624,
          "interestCents": 4059,
          "principalCents": 6565,
          "balanceCents": 480468
        }
      ]
    },
    {
      "model": "rezerwa-z-kredytu-v1-20261026",
      "reservePLN": 5000,
      "annualNominalPercent": "10",
      "termMonths": 60,
      "horizonMonths": 6,
      "extraPaymentCents": 10624,
      "extraPaidCents": 63741,
      "principalRepaidCents": 39557,
      "interestPaidCents": 24184,
      "remainingExtraBalanceCents": 460443,
      "unusedCashCents": 500000,
      "ledger": [
        {
          "month": 1,
          "paymentCents": 10624,
          "interestCents": 4167,
          "principalCents": 6457,
          "balanceCents": 493543
        },
        {
          "month": 2,
          "paymentCents": 10624,
          "interestCents": 4113,
          "principalCents": 6511,
          "balanceCents": 487032
        },
        {
          "month": 3,
          "paymentCents": 10624,
          "interestCents": 4059,
          "principalCents": 6565,
          "balanceCents": 480468
        },
        {
          "month": 4,
          "paymentCents": 10624,
          "interestCents": 4004,
          "principalCents": 6620,
          "balanceCents": 473848
        },
        {
          "month": 5,
          "paymentCents": 10624,
          "interestCents": 3949,
          "principalCents": 6675,
          "balanceCents": 467173
        },
        {
          "month": 6,
          "paymentCents": 10624,
          "interestCents": 3893,
          "principalCents": 6730,
          "balanceCents": 460443
        }
      ]
    },
    {
      "model": "rezerwa-z-kredytu-v1-20261026",
      "reservePLN": 5000,
      "annualNominalPercent": "10",
      "termMonths": 60,
      "horizonMonths": 12,
      "extraPaymentCents": 10624,
      "extraPaidCents": 127482,
      "principalRepaidCents": 81134,
      "interestPaidCents": 46348,
      "remainingExtraBalanceCents": 418866,
      "unusedCashCents": 500000,
      "ledger": [
        {
          "month": 1,
          "paymentCents": 10624,
          "interestCents": 4167,
          "principalCents": 6457,
          "balanceCents": 493543
        },
        {
          "month": 2,
          "paymentCents": 10624,
          "interestCents": 4113,
          "principalCents": 6511,
          "balanceCents": 487032
        },
        {
          "month": 3,
          "paymentCents": 10624,
          "interestCents": 4059,
          "principalCents": 6565,
          "balanceCents": 480468
        },
        {
          "month": 4,
          "paymentCents": 10624,
          "interestCents": 4004,
          "principalCents": 6620,
          "balanceCents": 473848
        },
        {
          "month": 5,
          "paymentCents": 10624,
          "interestCents": 3949,
          "principalCents": 6675,
          "balanceCents": 467173
        },
        {
          "month": 6,
          "paymentCents": 10624,
          "interestCents": 3893,
          "principalCents": 6730,
          "balanceCents": 460443
        },
        {
          "month": 7,
          "paymentCents": 10624,
          "interestCents": 3837,
          "principalCents": 6786,
          "balanceCents": 453656
        },
        {
          "month": 8,
          "paymentCents": 10624,
          "interestCents": 3780,
          "principalCents": 6843,
          "balanceCents": 446813
        },
        {
          "month": 9,
          "paymentCents": 10624,
          "interestCents": 3723,
          "principalCents": 6900,
          "balanceCents": 439913
        },
        {
          "month": 10,
          "paymentCents": 10624,
          "interestCents": 3666,
          "principalCents": 6958,
          "balanceCents": 432956
        },
        {
          "month": 11,
          "paymentCents": 10624,
          "interestCents": 3608,
          "principalCents": 7016,
          "balanceCents": 425940
        },
        {
          "month": 12,
          "paymentCents": 10624,
          "interestCents": 3549,
          "principalCents": 7074,
          "balanceCents": 418866
        }
      ]
    },
    {
      "model": "rezerwa-z-kredytu-v1-20261026",
      "reservePLN": 10000,
      "annualNominalPercent": "10",
      "termMonths": 60,
      "horizonMonths": 3,
      "extraPaymentCents": 21247,
      "extraPaidCents": 63741,
      "principalRepaidCents": 39065,
      "interestPaidCents": 24676,
      "remainingExtraBalanceCents": 960935,
      "unusedCashCents": 1000000,
      "ledger": [
        {
          "month": 1,
          "paymentCents": 21247,
          "interestCents": 8333,
          "principalCents": 12914,
          "balanceCents": 987086
        },
        {
          "month": 2,
          "paymentCents": 21247,
          "interestCents": 8226,
          "principalCents": 13021,
          "balanceCents": 974065
        },
        {
          "month": 3,
          "paymentCents": 21247,
          "interestCents": 8117,
          "principalCents": 13130,
          "balanceCents": 960935
        }
      ]
    },
    {
      "model": "rezerwa-z-kredytu-v1-20261026",
      "reservePLN": 10000,
      "annualNominalPercent": "10",
      "termMonths": 60,
      "horizonMonths": 6,
      "extraPaymentCents": 21247,
      "extraPaidCents": 127482,
      "principalRepaidCents": 79115,
      "interestPaidCents": 48368,
      "remainingExtraBalanceCents": 920885,
      "unusedCashCents": 1000000,
      "ledger": [
        {
          "month": 1,
          "paymentCents": 21247,
          "interestCents": 8333,
          "principalCents": 12914,
          "balanceCents": 987086
        },
        {
          "month": 2,
          "paymentCents": 21247,
          "interestCents": 8226,
          "principalCents": 13021,
          "balanceCents": 974065
        },
        {
          "month": 3,
          "paymentCents": 21247,
          "interestCents": 8117,
          "principalCents": 13130,
          "balanceCents": 960935
        },
        {
          "month": 4,
          "paymentCents": 21247,
          "interestCents": 8008,
          "principalCents": 13239,
          "balanceCents": 947696
        },
        {
          "month": 5,
          "paymentCents": 21247,
          "interestCents": 7897,
          "principalCents": 13350,
          "balanceCents": 934346
        },
        {
          "month": 6,
          "paymentCents": 21247,
          "interestCents": 7786,
          "principalCents": 13461,
          "balanceCents": 920885
        }
      ]
    },
    {
      "model": "rezerwa-z-kredytu-v1-20261026",
      "reservePLN": 10000,
      "annualNominalPercent": "10",
      "termMonths": 60,
      "horizonMonths": 12,
      "extraPaymentCents": 21247,
      "extraPaidCents": 254965,
      "principalRepaidCents": 162268,
      "interestPaidCents": 92696,
      "remainingExtraBalanceCents": 837732,
      "unusedCashCents": 1000000,
      "ledger": [
        {
          "month": 1,
          "paymentCents": 21247,
          "interestCents": 8333,
          "principalCents": 12914,
          "balanceCents": 987086
        },
        {
          "month": 2,
          "paymentCents": 21247,
          "interestCents": 8226,
          "principalCents": 13021,
          "balanceCents": 974065
        },
        {
          "month": 3,
          "paymentCents": 21247,
          "interestCents": 8117,
          "principalCents": 13130,
          "balanceCents": 960935
        },
        {
          "month": 4,
          "paymentCents": 21247,
          "interestCents": 8008,
          "principalCents": 13239,
          "balanceCents": 947696
        },
        {
          "month": 5,
          "paymentCents": 21247,
          "interestCents": 7897,
          "principalCents": 13350,
          "balanceCents": 934346
        },
        {
          "month": 6,
          "paymentCents": 21247,
          "interestCents": 7786,
          "principalCents": 13461,
          "balanceCents": 920885
        },
        {
          "month": 7,
          "paymentCents": 21247,
          "interestCents": 7674,
          "principalCents": 13573,
          "balanceCents": 907312
        },
        {
          "month": 8,
          "paymentCents": 21247,
          "interestCents": 7561,
          "principalCents": 13686,
          "balanceCents": 893626
        },
        {
          "month": 9,
          "paymentCents": 21247,
          "interestCents": 7447,
          "principalCents": 13800,
          "balanceCents": 879826
        },
        {
          "month": 10,
          "paymentCents": 21247,
          "interestCents": 7332,
          "principalCents": 13915,
          "balanceCents": 865911
        },
        {
          "month": 11,
          "paymentCents": 21247,
          "interestCents": 7216,
          "principalCents": 14031,
          "balanceCents": 851880
        },
        {
          "month": 12,
          "paymentCents": 21247,
          "interestCents": 7099,
          "principalCents": 14148,
          "balanceCents": 837732
        }
      ]
    },
    {
      "model": "rezerwa-z-kredytu-v1-20261026",
      "reservePLN": 20000,
      "annualNominalPercent": "10",
      "termMonths": 60,
      "horizonMonths": 3,
      "extraPaymentCents": 42494,
      "extraPaidCents": 127482,
      "principalRepaidCents": 78130,
      "interestPaidCents": 49353,
      "remainingExtraBalanceCents": 1921870,
      "unusedCashCents": 2000000,
      "ledger": [
        {
          "month": 1,
          "paymentCents": 42494,
          "interestCents": 16667,
          "principalCents": 25827,
          "balanceCents": 1974173
        },
        {
          "month": 2,
          "paymentCents": 42494,
          "interestCents": 16451,
          "principalCents": 26043,
          "balanceCents": 1948130
        },
        {
          "month": 3,
          "paymentCents": 42494,
          "interestCents": 16234,
          "principalCents": 26260,
          "balanceCents": 1921870
        }
      ]
    },
    {
      "model": "rezerwa-z-kredytu-v1-20261026",
      "reservePLN": 20000,
      "annualNominalPercent": "10",
      "termMonths": 60,
      "horizonMonths": 6,
      "extraPaymentCents": 42494,
      "extraPaidCents": 254965,
      "principalRepaidCents": 158229,
      "interestPaidCents": 96735,
      "remainingExtraBalanceCents": 1841771,
      "unusedCashCents": 2000000,
      "ledger": [
        {
          "month": 1,
          "paymentCents": 42494,
          "interestCents": 16667,
          "principalCents": 25827,
          "balanceCents": 1974173
        },
        {
          "month": 2,
          "paymentCents": 42494,
          "interestCents": 16451,
          "principalCents": 26043,
          "balanceCents": 1948130
        },
        {
          "month": 3,
          "paymentCents": 42494,
          "interestCents": 16234,
          "principalCents": 26260,
          "balanceCents": 1921870
        },
        {
          "month": 4,
          "paymentCents": 42494,
          "interestCents": 16016,
          "principalCents": 26479,
          "balanceCents": 1895392
        },
        {
          "month": 5,
          "paymentCents": 42494,
          "interestCents": 15795,
          "principalCents": 26699,
          "balanceCents": 1868693
        },
        {
          "month": 6,
          "paymentCents": 42494,
          "interestCents": 15572,
          "principalCents": 26922,
          "balanceCents": 1841771
        }
      ]
    },
    {
      "model": "rezerwa-z-kredytu-v1-20261026",
      "reservePLN": 20000,
      "annualNominalPercent": "10",
      "termMonths": 60,
      "horizonMonths": 12,
      "extraPaymentCents": 42494,
      "extraPaidCents": 509929,
      "principalRepaidCents": 324536,
      "interestPaidCents": 185393,
      "remainingExtraBalanceCents": 1675464,
      "unusedCashCents": 2000000,
      "ledger": [
        {
          "month": 1,
          "paymentCents": 42494,
          "interestCents": 16667,
          "principalCents": 25827,
          "balanceCents": 1974173
        },
        {
          "month": 2,
          "paymentCents": 42494,
          "interestCents": 16451,
          "principalCents": 26043,
          "balanceCents": 1948130
        },
        {
          "month": 3,
          "paymentCents": 42494,
          "interestCents": 16234,
          "principalCents": 26260,
          "balanceCents": 1921870
        },
        {
          "month": 4,
          "paymentCents": 42494,
          "interestCents": 16016,
          "principalCents": 26479,
          "balanceCents": 1895392
        },
        {
          "month": 5,
          "paymentCents": 42494,
          "interestCents": 15795,
          "principalCents": 26699,
          "balanceCents": 1868693
        },
        {
          "month": 6,
          "paymentCents": 42494,
          "interestCents": 15572,
          "principalCents": 26922,
          "balanceCents": 1841771
        },
        {
          "month": 7,
          "paymentCents": 42494,
          "interestCents": 15348,
          "principalCents": 27146,
          "balanceCents": 1814625
        },
        {
          "month": 8,
          "paymentCents": 42494,
          "interestCents": 15122,
          "principalCents": 27372,
          "balanceCents": 1787253
        },
        {
          "month": 9,
          "paymentCents": 42494,
          "interestCents": 14894,
          "principalCents": 27600,
          "balanceCents": 1759652
        },
        {
          "month": 10,
          "paymentCents": 42494,
          "interestCents": 14664,
          "principalCents": 27830,
          "balanceCents": 1731822
        },
        {
          "month": 11,
          "paymentCents": 42494,
          "interestCents": 14432,
          "principalCents": 28062,
          "balanceCents": 1703760
        },
        {
          "month": 12,
          "paymentCents": 42494,
          "interestCents": 14198,
          "principalCents": 28296,
          "balanceCents": 1675464
        }
      ]
    }
  ]
}