Kreditni kalkulator

Mesečna rata, ukupna kamata, troškovi i efektivna kamatna stopa (EKS)

Primer: 6.000.000 din, 7,50%, 20 godina · anuitet 48.335,59 din mesečna rata

Ukupno vraćate11.600.542 dinglavnica + kamata + troškovi

Ukupna kamata5.600.542 din93,3% od iznosa kredita

Troškovi kredita0 dinunesite ih ispod "Troškovi kredita"

EKS (efektivna stopa)7,76%stvarna godišnja cena kredita sa troškovima

Glavnica 52%Kamata 48%

Plan otplate po godinama

Godina	Uplaćeno	Kamata	Glavnica	Preostali dug
1.	580.027	445.436	134.591	5.865.409
2.	580.027	434.987	145.040	5.720.369
3.	580.027	423.727	156.300	5.564.069
4.	580.027	411.593	168.434	5.395.636
5.	580.027	398.517	181.510	5.214.126
6.	580.027	384.426	195.601	5.018.525
7.	580.027	369.241	210.786	4.807.740
8.	580.027	352.878	227.149	4.580.590
9.	580.027	335.243	244.784	4.335.806
10.	580.027	316.240	263.787	4.072.019
11.	580.027	295.762	284.265	3.787.754
12.	580.027	273.693	306.334	3.481.420
13.	580.027	249.912	330.115	3.151.305
14.	580.027	224.284	355.743	2.795.563
15.	580.027	196.667	383.360	2.412.203
16.	580.027	166.906	413.121	1.999.081
17.	580.027	134.834	445.193	1.553.888
18.	580.027	100.273	479.754	1.074.134
19.	580.027	63.028	516.999	557.135
20.	580.027	22.892	557.135	0

Plan otplate po mesecima (240)

#	Rata	Kamata	Glavnica	Preostali dug
1	48.335,59	37.500,00	10.835,59	5.989.164,41
2	48.335,59	37.432,28	10.903,31	5.978.261,09
3	48.335,59	37.364,13	10.971,46	5.967.289,63
4	48.335,59	37.295,56	11.040,03	5.956.249,60
5	48.335,59	37.226,56	11.109,03	5.945.140,57
6	48.335,59	37.157,13	11.178,46	5.933.962,11
7	48.335,59	37.087,26	11.248,33	5.922.713,78
8	48.335,59	37.016,96	11.318,63	5.911.395,15
9	48.335,59	36.946,22	11.389,37	5.900.005,78
10	48.335,59	36.875,04	11.460,56	5.888.545,22
11	48.335,59	36.803,41	11.532,18	5.877.013,04
12	48.335,59	36.731,33	11.604,26	5.865.408,78
13	48.335,59	36.658,80	11.676,79	5.853.731,99
14	48.335,59	36.585,82	11.749,77	5.841.982,22
15	48.335,59	36.512,39	11.823,20	5.830.159,02
16	48.335,59	36.438,49	11.897,10	5.818.261,92
17	48.335,59	36.364,14	11.971,45	5.806.290,47
18	48.335,59	36.289,32	12.046,28	5.794.244,19
19	48.335,59	36.214,03	12.121,57	5.782.122,63
20	48.335,59	36.138,27	12.197,33	5.769.925,30
21	48.335,59	36.062,03	12.273,56	5.757.651,74
22	48.335,59	35.985,32	12.350,27	5.745.301,48
23	48.335,59	35.908,13	12.427,46	5.732.874,02
24	48.335,59	35.830,46	12.505,13	5.720.368,89
25	48.335,59	35.752,31	12.583,29	5.707.785,60
26	48.335,59	35.673,66	12.661,93	5.695.123,67
27	48.335,59	35.594,52	12.741,07	5.682.382,60
28	48.335,59	35.514,89	12.820,70	5.669.561,90
29	48.335,59	35.434,76	12.900,83	5.656.661,07
30	48.335,59	35.354,13	12.981,46	5.643.679,61
31	48.335,59	35.273,00	13.062,59	5.630.617,02
32	48.335,59	35.191,36	13.144,24	5.617.472,78
33	48.335,59	35.109,20	13.226,39	5.604.246,40
34	48.335,59	35.026,54	13.309,05	5.590.937,35
35	48.335,59	34.943,36	13.392,23	5.577.545,11
36	48.335,59	34.859,66	13.475,93	5.564.069,18
37	48.335,59	34.775,43	13.560,16	5.550.509,02
38	48.335,59	34.690,68	13.644,91	5.536.864,11
39	48.335,59	34.605,40	13.730,19	5.523.133,92
40	48.335,59	34.519,59	13.816,00	5.509.317,91
41	48.335,59	34.433,24	13.902,35	5.495.415,56
42	48.335,59	34.346,35	13.989,24	5.481.426,31
43	48.335,59	34.258,91	14.076,68	5.467.349,64
44	48.335,59	34.170,94	14.164,66	5.453.184,98
45	48.335,59	34.082,41	14.253,19	5.438.931,79
46	48.335,59	33.993,32	14.342,27	5.424.589,53
47	48.335,59	33.903,68	14.431,91	5.410.157,62
48	48.335,59	33.813,49	14.522,11	5.395.635,51
49	48.335,59	33.722,72	14.612,87	5.381.022,64
50	48.335,59	33.631,39	14.704,20	5.366.318,44
51	48.335,59	33.539,49	14.796,10	5.351.522,34
52	48.335,59	33.447,01	14.888,58	5.336.633,77
53	48.335,59	33.353,96	14.981,63	5.321.652,13
54	48.335,59	33.260,33	15.075,27	5.306.576,87
55	48.335,59	33.166,11	15.169,49	5.291.407,38
56	48.335,59	33.071,30	15.264,30	5.276.143,09
57	48.335,59	32.975,89	15.359,70	5.260.783,39
58	48.335,59	32.879,90	15.455,70	5.245.327,69
59	48.335,59	32.783,30	15.552,29	5.229.775,40
60	48.335,59	32.686,10	15.649,50	5.214.125,91
61	48.335,59	32.588,29	15.747,30	5.198.378,60
62	48.335,59	32.489,87	15.845,73	5.182.532,88
63	48.335,59	32.390,83	15.944,76	5.166.588,11
64	48.335,59	32.291,18	16.044,42	5.150.543,70
65	48.335,59	32.190,90	16.144,69	5.134.399,01
66	48.335,59	32.089,99	16.245,60	5.118.153,41
67	48.335,59	31.988,46	16.347,13	5.101.806,27
68	48.335,59	31.886,29	16.449,30	5.085.356,97
69	48.335,59	31.783,48	16.552,11	5.068.804,86
70	48.335,59	31.680,03	16.655,56	5.052.149,30
71	48.335,59	31.575,93	16.759,66	5.035.389,64
72	48.335,59	31.471,19	16.864,41	5.018.525,24
73	48.335,59	31.365,78	16.969,81	5.001.555,43
74	48.335,59	31.259,72	17.075,87	4.984.479,56
75	48.335,59	31.153,00	17.182,59	4.967.296,96
76	48.335,59	31.045,61	17.289,99	4.950.006,98
77	48.335,59	30.937,54	17.398,05	4.932.608,93
78	48.335,59	30.828,81	17.506,79	4.915.102,14
79	48.335,59	30.719,39	17.616,20	4.897.485,94
80	48.335,59	30.609,29	17.726,30	4.879.759,63
81	48.335,59	30.498,50	17.837,09	4.861.922,54
82	48.335,59	30.387,02	17.948,58	4.843.973,97
83	48.335,59	30.274,84	18.060,75	4.825.913,21
84	48.335,59	30.161,96	18.173,63	4.807.739,58
85	48.335,59	30.048,37	18.287,22	4.789.452,36
86	48.335,59	29.934,08	18.401,51	4.771.050,84
87	48.335,59	29.819,07	18.516,52	4.752.534,32
88	48.335,59	29.703,34	18.632,25	4.733.902,07
89	48.335,59	29.586,89	18.748,70	4.715.153,36
90	48.335,59	29.469,71	18.865,88	4.696.287,48
91	48.335,59	29.351,80	18.983,79	4.677.303,69
92	48.335,59	29.233,15	19.102,44	4.658.201,24
93	48.335,59	29.113,76	19.221,83	4.638.979,41
94	48.335,59	28.993,62	19.341,97	4.619.637,44
95	48.335,59	28.872,73	19.462,86	4.600.174,58
96	48.335,59	28.751,09	19.584,50	4.580.590,08
97	48.335,59	28.628,69	19.706,90	4.560.883,18
98	48.335,59	28.505,52	19.830,07	4.541.053,10
99	48.335,59	28.381,58	19.954,01	4.521.099,09
100	48.335,59	28.256,87	20.078,72	4.501.020,37
101	48.335,59	28.131,38	20.204,21	4.480.816,16
102	48.335,59	28.005,10	20.330,49	4.460.485,67
103	48.335,59	27.878,04	20.457,56	4.440.028,11
104	48.335,59	27.750,18	20.585,42	4.419.442,70
105	48.335,59	27.621,52	20.714,07	4.398.728,62
106	48.335,59	27.492,05	20.843,54	4.377.885,08
107	48.335,59	27.361,78	20.973,81	4.356.911,27
108	48.335,59	27.230,70	21.104,90	4.335.806,38
109	48.335,59	27.098,79	21.236,80	4.314.569,58
110	48.335,59	26.966,06	21.369,53	4.293.200,04
111	48.335,59	26.832,50	21.503,09	4.271.696,95
112	48.335,59	26.698,11	21.637,49	4.250.059,47
113	48.335,59	26.562,87	21.772,72	4.228.286,75
114	48.335,59	26.426,79	21.908,80	4.206.377,95
115	48.335,59	26.289,86	22.045,73	4.184.332,22
116	48.335,59	26.152,08	22.183,52	4.162.148,70
117	48.335,59	26.013,43	22.322,16	4.139.826,54
118	48.335,59	25.873,92	22.461,68	4.117.364,86
119	48.335,59	25.733,53	22.602,06	4.094.762,80
120	48.335,59	25.592,27	22.743,32	4.072.019,48
121	48.335,59	25.450,12	22.885,47	4.049.134,01
122	48.335,59	25.307,09	23.028,50	4.026.105,51
123	48.335,59	25.163,16	23.172,43	4.002.933,07
124	48.335,59	25.018,33	23.317,26	3.979.615,81
125	48.335,59	24.872,60	23.462,99	3.956.152,82
126	48.335,59	24.725,96	23.609,64	3.932.543,18
127	48.335,59	24.578,39	23.757,20	3.908.785,99
128	48.335,59	24.429,91	23.905,68	3.884.880,31
129	48.335,59	24.280,50	24.055,09	3.860.825,22
130	48.335,59	24.130,16	24.205,43	3.836.619,78
131	48.335,59	23.978,87	24.356,72	3.812.263,07
132	48.335,59	23.826,64	24.508,95	3.787.754,12
133	48.335,59	23.673,46	24.662,13	3.763.091,99
134	48.335,59	23.519,32	24.816,27	3.738.275,72
135	48.335,59	23.364,22	24.971,37	3.713.304,36
136	48.335,59	23.208,15	25.127,44	3.688.176,92
137	48.335,59	23.051,11	25.284,49	3.662.892,43
138	48.335,59	22.893,08	25.442,51	3.637.449,92
139	48.335,59	22.734,06	25.601,53	3.611.848,39
140	48.335,59	22.574,05	25.761,54	3.586.086,85
141	48.335,59	22.413,04	25.922,55	3.560.164,30
142	48.335,59	22.251,03	26.084,56	3.534.079,73
143	48.335,59	22.088,00	26.247,59	3.507.832,14
144	48.335,59	21.923,95	26.411,64	3.481.420,50
145	48.335,59	21.758,88	26.576,71	3.454.843,79
146	48.335,59	21.592,77	26.742,82	3.428.100,97
147	48.335,59	21.425,63	26.909,96	3.401.191,01
148	48.335,59	21.257,44	27.078,15	3.374.112,86
149	48.335,59	21.088,21	27.247,39	3.346.865,47
150	48.335,59	20.917,91	27.417,68	3.319.447,79
151	48.335,59	20.746,55	27.589,04	3.291.858,75
152	48.335,59	20.574,12	27.761,47	3.264.097,27
153	48.335,59	20.400,61	27.934,98	3.236.162,29
154	48.335,59	20.226,01	28.109,58	3.208.052,71
155	48.335,59	20.050,33	28.285,26	3.179.767,45
156	48.335,59	19.873,55	28.462,05	3.151.305,41
157	48.335,59	19.695,66	28.639,93	3.122.665,47
158	48.335,59	19.516,66	28.818,93	3.093.846,54
159	48.335,59	19.336,54	28.999,05	3.064.847,49
160	48.335,59	19.155,30	29.180,29	3.035.667,20
161	48.335,59	18.972,92	29.362,67	3.006.304,52
162	48.335,59	18.789,40	29.546,19	2.976.758,34
163	48.335,59	18.604,74	29.730,85	2.947.027,48
164	48.335,59	18.418,92	29.916,67	2.917.110,81
165	48.335,59	18.231,94	30.103,65	2.887.007,16
166	48.335,59	18.043,79	30.291,80	2.856.715,37
167	48.335,59	17.854,47	30.481,12	2.826.234,25
168	48.335,59	17.663,96	30.671,63	2.795.562,62
169	48.335,59	17.472,27	30.863,33	2.764.699,29
170	48.335,59	17.279,37	31.056,22	2.733.643,07
171	48.335,59	17.085,27	31.250,32	2.702.392,75
172	48.335,59	16.889,95	31.445,64	2.670.947,11
173	48.335,59	16.693,42	31.642,17	2.639.304,94
174	48.335,59	16.495,66	31.839,94	2.607.465,01
175	48.335,59	16.296,66	32.038,94	2.575.426,07
176	48.335,59	16.096,41	32.239,18	2.543.186,89
177	48.335,59	15.894,92	32.440,67	2.510.746,22
178	48.335,59	15.692,16	32.643,43	2.478.102,79
179	48.335,59	15.488,14	32.847,45	2.445.255,34
180	48.335,59	15.282,85	33.052,75	2.412.202,60
181	48.335,59	15.076,27	33.259,33	2.378.943,27
182	48.335,59	14.868,40	33.467,20	2.345.476,07
183	48.335,59	14.659,23	33.676,37	2.311.799,71
184	48.335,59	14.448,75	33.886,84	2.277.912,86
185	48.335,59	14.236,96	34.098,64	2.243.814,23
186	48.335,59	14.023,84	34.311,75	2.209.502,48
187	48.335,59	13.809,39	34.526,20	2.174.976,27
188	48.335,59	13.593,60	34.741,99	2.140.234,28
189	48.335,59	13.376,46	34.959,13	2.105.275,16
190	48.335,59	13.157,97	35.177,62	2.070.097,54
191	48.335,59	12.938,11	35.397,48	2.034.700,05
192	48.335,59	12.716,88	35.618,72	1.999.081,34
193	48.335,59	12.494,26	35.841,33	1.963.240,00
194	48.335,59	12.270,25	36.065,34	1.927.174,66
195	48.335,59	12.044,84	36.290,75	1.890.883,91
196	48.335,59	11.818,02	36.517,57	1.854.366,35
197	48.335,59	11.589,79	36.745,80	1.817.620,54
198	48.335,59	11.360,13	36.975,46	1.780.645,08
199	48.335,59	11.129,03	37.206,56	1.743.438,52
200	48.335,59	10.896,49	37.439,10	1.705.999,42
201	48.335,59	10.662,50	37.673,10	1.668.326,32
202	48.335,59	10.427,04	37.908,55	1.630.417,77
203	48.335,59	10.190,11	38.145,48	1.592.272,29
204	48.335,59	9.951,70	38.383,89	1.553.888,40
205	48.335,59	9.711,80	38.623,79	1.515.264,61
206	48.335,59	9.470,40	38.865,19	1.476.399,42
207	48.335,59	9.227,50	39.108,10	1.437.291,33
208	48.335,59	8.983,07	39.352,52	1.397.938,81
209	48.335,59	8.737,12	39.598,47	1.358.340,33
210	48.335,59	8.489,63	39.845,96	1.318.494,37
211	48.335,59	8.240,59	40.095,00	1.278.399,37
212	48.335,59	7.990,00	40.345,60	1.238.053,77
213	48.335,59	7.737,84	40.597,76	1.197.456,02
214	48.335,59	7.484,10	40.851,49	1.156.604,53
215	48.335,59	7.228,78	41.106,81	1.115.497,71
216	48.335,59	6.971,86	41.363,73	1.074.133,98
217	48.335,59	6.713,34	41.622,25	1.032.511,73
218	48.335,59	6.453,20	41.882,39	990.629,33
219	48.335,59	6.191,43	42.144,16	948.485,18
220	48.335,59	5.928,03	42.407,56	906.077,62
221	48.335,59	5.662,99	42.672,61	863.405,01
222	48.335,59	5.396,28	42.939,31	820.465,70
223	48.335,59	5.127,91	43.207,68	777.258,02
224	48.335,59	4.857,86	43.477,73	733.780,29
225	48.335,59	4.586,13	43.749,46	690.030,82
226	48.335,59	4.312,69	44.022,90	646.007,93
227	48.335,59	4.037,55	44.298,04	601.709,88
228	48.335,59	3.760,69	44.574,90	557.134,98
229	48.335,59	3.482,09	44.853,50	512.281,48
230	48.335,59	3.201,76	45.133,83	467.147,65
231	48.335,59	2.919,67	45.415,92	421.731,73
232	48.335,59	2.635,82	45.699,77	376.031,96
233	48.335,59	2.350,20	45.985,39	330.046,57
234	48.335,59	2.062,79	46.272,80	283.773,77
235	48.335,59	1.773,59	46.562,01	237.211,76
236	48.335,59	1.482,57	46.853,02	190.358,75
237	48.335,59	1.189,74	47.145,85	143.212,90
238	48.335,59	895,08	47.440,51	95.772,38
239	48.335,59	598,58	47.737,01	48.035,37
240	48.335,59	300,22	48.035,37	0,00

Napomena Obračun je informativan. Banke ratu računaju po svojim pravilima (npr. stvarni broj dana u mesecu, datum isplate), pa se iznos može malo razlikovati. Kod kredita sa promenljivom kamatnom stopom (vezanom za EURIBOR ili BELIBOR) rata se menja kada se promeni referentna stopa. Pre ugovaranja uporedite EKS iz zvanične ponude banke.

Pitanja i odgovori

Koja je razlika između anuitetske i linearne otplate?

Kod anuitetske otplate sve mesečne rate su jednake: na početku većim delom pokrivaju kamatu, a kasnije glavnicu. Kod linearne otplate deo glavnice je isti svakog meseca, a kamata se računa na preostali dug, pa su rate najveće na početku i smanjuju se; ukupna kamata je manja.

Šta je EKS (efektivna kamatna stopa)?

EKS pokazuje stvarnu godišnju cenu kredita: pored nominalne kamate uključuje naknade i druge troškove (obrada kredita, osiguranje, račun). Banke u Srbiji moraju da navedu EKS u svakoj ponudi, pa je to najbolji broj za poređenje kredita.

Kako se računa mesečna rata?

Za anuitetsku otplatu: rata = P × i / (1 - (1 + i)^-n), gde je P iznos kredita, i mesečna kamatna stopa (godišnja nominalna / 12), a n broj rata.

Konvertor valuta

Menjačnice uživo ⓘVreme = poslednja provera (na 30 min, od 7 do 21h). Izvori: menjacnica-panter.co.rs, vipsistem.rs, menjacnicedok.rs, funta.rs.

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Menjačnica	Kupovni	Prodajni
Panter 09.11. 21:30	116,50	119,05
VIP 09.11. 21:31	117,00	118,90
DOK 09.11. 21:32	118,20	119,08
Funta 09.11. 21:33	118,50	119,09
Raspon	116,50 - 118,50	118,90 - 119,09

Srednji kurs NBS: 117,6230

Menjačnica	Kupovni	Prodajni
Panter 09.11. 21:30	103,05	107,15
VIP 09.11. 21:31	103,10	106,90
DOK 09.11. 21:32	103,50	107,00
Funta 09.11. 21:33	104,30	107,00
Raspon	103,05 - 104,30	106,90 - 107,15

Srednji kurs NBS: 105,3592

Menjačnica	Kupovni	Prodajni
Panter 09.11. 21:30	125,75	130,70
VIP 09.11. 21:31	125,40	130,40
DOK 09.11. 21:32	127,60	130,80
Funta 09.11. 21:33	128,00	130,90
Raspon	125,40 - 128,00	130,40 - 130,90

Srednji kurs NBS: 128,5497

Poslednja provera: 09.11.2026. u 21:33

Zeleno = najviši kupovni / najniži prodajni kurs. Kupovni: menjačnica otkupljuje od vas.

Kurs dinara (NBS)

EUR/RSD117,6305

zvanični srednji za 10.11.2026.

dan 0,0%mesec -0,2%godina -0,4%

USD/RSD105,0741

indikativni na 09.11.2026.

dan +0,3%mesec -0,6%godina -3,6%

Promena dinara u %: (-) dinar slabi, (+) dinar jača.

Izvor: NBS · provereno 09.11.2026. u 21:37

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