{"id":37043,"date":"2026-07-12T20:48:10","date_gmt":"2026-07-12T18:48:10","guid":{"rendered":"https:\/\/sanators.com\/?page_id=37043"},"modified":"2026-07-27T09:44:06","modified_gmt":"2026-07-27T07:44:06","slug":"kalkulator-oddluzenia","status":"publish","type":"page","link":"https:\/\/sanators.com\/en\/kalkulator-oddluzenia\/","title":{"rendered":"Kalkulator odd\u0142u\u017cenia \u2014 bezp\u0142atna analiza Twoich mo\u017cliwo\u015bci"},"content":{"rendered":"<link rel=\"preconnect\" href=\"https:\/\/fonts.googleapis.com\">\n<link href=\"https:\/\/fonts.googleapis.com\/css2?family=Lora:wght@500;600&#038;family=IBM+Plex+Sans:wght@400;600;700&#038;display=swap\" rel=\"stylesheet\">\n<style>\n  :root{\n    --paper:#F6F5F1; --card:#fff; --ink:#17233B; --ink-soft:#4A5568; --line:#E3E1D9;\n    --green:#2E7D5B; --green-bg:#EAF4EF; --blue:#35618F; --blue-bg:#EAF1F7;\n    --amber:#B07A1F; --amber-bg:#F9F1E0; --danger:#B0483C;\n  }\n  *{box-sizing:border-box; margin:0; padding:0;}\n  body{font-family:'IBM Plex Sans',-apple-system,sans-serif; 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align-items:center;}\n  .faq summary::after{content:\"+\"; font-size:20px; color:var(--ink-soft);}\n  .faq details[open] summary::after{content:\"\u2013\";}\n  .faq details p{font-size:14px; color:var(--ink-soft); padding-bottom:16px;}\n  .about{background:#fff; border-top:1px solid var(--line); border-bottom:1px solid var(--line);}\n  .about p{font-size:14.5px; color:var(--ink-soft); margin-top:10px;}\n  footer{padding:36px 0 44px;}\n  footer .disc{font-size:11.5px; color:var(--ink-soft); line-height:1.6; border-top:1px solid var(--line); padding-top:18px; margin-top:8px;}\n  #balanceBar{position:fixed; bottom:0; left:0; right:0; background:var(--ink); color:#fff; padding:12px 20px; display:none; z-index:50;}\n  #balanceBar .inner{max-width:680px; margin:0 auto; display:flex; justify-content:space-between; align-items:center;}\n  #balanceBar .amount{font-size:17px; font-weight:700;}\n  .hidden{display:none !important;}\n  @media (prefers-reduced-motion: reduce){*{transition:none !important;}}\n<\/style>\n<header class=\"site\">\n<div class=\"wrap\">\n<div class=\"logo\">Sanators<span>.<\/span><\/div>\n<p>    <a class=\"phone\" href=\"tel:+48505872119\">\u260e +48 505 872 119<\/a>\n  <\/div>\n<\/header>\n<p><!-- HERO --><\/p>\n<section class=\"hero\">\n<div class=\"wrap\">\n<div class=\"eyebrow\">Bezp\u0142atny kalkulator odd\u0142u\u017cenia<\/div>\n<h1>Sprawd\u017a, jak legalnie wyj\u015b\u0107 z d\u0142ug\u00f3w \u2014 zanim zdecydujesz<\/h1>\n<p class=\"lead\">Odpowiedz na 9 prostych pyta\u0144, a poka\u017cemy Ci, czy w Twojej sytuacji lepsze s\u0105 negocjacje z wierzycielami, czy upad\u0142o\u015b\u0107 konsumencka \u2014 i co to dla Ciebie oznacza w praktyce.<\/p>\n<p>    <a class=\"btn\" href=\"#kalkulator\">Sprawd\u017a swoje mo\u017cliwo\u015bci \u2014 za darmo<\/a><\/p>\n<div class=\"trust\">\n<div><b>\u2713<\/b> Bez rejestracji i podawania danych<\/div>\n<div><b>\u2713<\/b> Wynik w 2 minuty<\/div>\n<div><b>\u2713<\/b> W granicach prawa<\/div>\n<\/p><\/div>\n<\/p><\/div>\n<\/section>\n<p><!-- HOW IT WORKS --><\/p>\n<section class=\"steps\">\n<div class=\"wrap\">\n<h2>Jak to dzia\u0142a<\/h2>\n<div class=\"step\">\n<div class=\"n\">1<\/div>\n<div>\n<h3>Odpowiadasz na proste pytania<\/h3>\n<p>O d\u0142ugi, dochody i koszty \u017cycia. Bez dokument\u00f3w, bez \u017cargonu prawniczego, w przybli\u017ceniu.<\/p>\n<\/div>\n<\/div>\n<div class=\"step\">\n<div class=\"n\">2<\/div>\n<div>\n<h3>Otrzymujesz wst\u0119pn\u0105 analiz\u0119<\/h3>\n<p>Dowiesz si\u0119, kt\u00f3ra droga odd\u0142u\u017cenia pasuje do Twojej sytuacji, co si\u0119 dzieje z maj\u0105tkiem i na co uwa\u017ca\u0107.<\/p>\n<\/div>\n<\/div>\n<div class=\"step\">\n<div class=\"n\">3<\/div>\n<div>\n<h3>Decydujesz, co dalej<\/h3>\n<p>Mo\u017cesz dzia\u0142a\u0107 samodzielnie albo um\u00f3wi\u0107 si\u0119 na bezp\u0142atn\u0105 rozmow\u0119 z prawnikiem \u2014 bez \u017cadnych zobowi\u0105za\u0144.<\/p>\n<\/div>\n<\/div><\/div>\n<\/section>\n<p><!-- CALCULATOR --><\/p>\n<section id=\"kalkulator\">\n<div class=\"wrap\">\n<div class=\"eyebrow\" style=\"margin-bottom:10px\">Krok po kroku<\/div>\n<h2 style=\"font-size:24px; margin-bottom:20px\">Kalkulator odd\u0142u\u017cenia<\/h2>\n<div class=\"calc-card\" id=\"calcCard\">\n<div class=\"progress\" id=\"progress\">\n<div>\n<div class=\"bar on\"><\/div>\n<div class=\"lbl on\">Twoje d\u0142ugi<\/div>\n<\/div>\n<div>\n<div class=\"bar\"><\/div>\n<div class=\"lbl\">Sk\u0105d d\u0142ugi<\/div>\n<\/div>\n<div>\n<div class=\"bar\"><\/div>\n<div class=\"lbl\">Twoje finanse<\/div>\n<\/div><\/div>\n<p>      <!-- STEP 0 --><\/p>\n<div class=\"step-pane\" data-step=\"0\">\n<div class=\"field\">\n          <label>Ile \u0142\u0105cznie wynosz\u0105 Twoje d\u0142ugi?<\/label><\/p>\n<div class=\"hint\">Wystarczy w przybli\u017ceniu. Zsumuj kredyty, po\u017cyczki, chwil\u00f3wki, zaleg\u0142e rachunki i czynsz.<\/div>\n<div class=\"numwrap\"><input type=\"text\" inputmode=\"numeric\" id=\"f_debt\" placeholder=\"0\"><span class=\"suf\">z\u0142<\/span><\/div>\n<\/p><\/div>\n<div class=\"field\">\n          <label>Ilu firmom lub osobom jeste\u015b winien(-na) pieni\u0105dze?<\/label><\/p>\n<div class=\"hint\">Liczy si\u0119 ka\u017cdy: bank, firma po\u017cyczkowa, sp\u00f3\u0142dzielnia, urz\u0105d, osoba prywatna.<\/div>\n<div class=\"pills\" data-key=\"creditors\">\n            <button class=\"pill\" data-v=\"1-2\">1\u20132<\/button><br \/>\n            <button class=\"pill\" data-v=\"3-4\">3\u20134<\/button><br \/>\n            <button class=\"pill\" data-v=\"5+\">5 i wi\u0119cej<\/button>\n          <\/div>\n<\/p><\/div>\n<div class=\"field\">\n          <label>Od jak dawna nie p\u0142acisz rat lub rachunk\u00f3w w terminie?<\/label><\/p>\n<div class=\"hint\">To wa\u017cne pytanie: je\u015bli zaleg\u0142o\u015b\u0107 przekracza 3 miesi\u0105ce, prawo zak\u0142ada, \u017ce straci\u0142e\u015b(-a\u015b) zdolno\u015b\u0107 do sp\u0142aty.<\/div>\n<div class=\"pills\" data-key=\"arrears\">\n            <button class=\"pill\" data-v=\"0\">P\u0142ac\u0119 na bie\u017c\u0105co<\/button><br \/>\n            <button class=\"pill\" data-v=\"1-2\">1\u20132 miesi\u0105ce<\/button><br \/>\n            <button class=\"pill\" data-v=\"3-6\">3\u20136 miesi\u0119cy<\/button><br \/>\n            <button class=\"pill\" data-v=\"6+\">Ponad p\u00f3\u0142 roku<\/button>\n          <\/div>\n<\/p><\/div>\n<div class=\"field\">\n          <label>Czy komornik zaj\u0105\u0142 Ci pensj\u0119, konto lub maj\u0105tek?<\/label><\/p>\n<div class=\"pills\" data-key=\"bailiff\">\n            <button class=\"pill\" data-v=\"no\">Nie<\/button><br \/>\n            <button class=\"pill\" data-v=\"yes\">Tak<\/button>\n          <\/div>\n<\/p><\/div>\n<\/p><\/div>\n<p>      <!-- STEP 1 --><\/p>\n<div class=\"step-pane hidden\" data-step=\"1\">\n<div class=\"field\">\n          <label>Sk\u0105d wzi\u0119\u0142y si\u0119 Twoje d\u0142ugi?<\/label><\/p>\n<div class=\"hint\">Zaznacz wszystko, co Ci\u0119 dotyczy. To wa\u017cne \u2014 nie ka\u017cdy d\u0142ug da si\u0119 umorzy\u0107 tak samo, a niekt\u00f3re wymagaj\u0105 specjalnego podej\u015bcia.<\/div>\n<div class=\"checks\" id=\"sources\">\n            <button class=\"check\" data-v=\"bank\"><span class=\"box\"><\/span>Kredyty i po\u017cyczki z banku<\/button><br \/>\n            <button class=\"check\" data-v=\"payday\"><span class=\"box\"><\/span>Chwil\u00f3wki i firmy po\u017cyczkowe<\/button><br \/>\n            <button class=\"check\" data-v=\"bills\"><span class=\"box\"><\/span>Zaleg\u0142e rachunki, czynsz, telefon<\/button><br \/>\n            <button class=\"check\" data-v=\"business\"><span class=\"box\"><\/span>D\u0142ugi z w\u0142asnej firmy (tak\u017ce zamkni\u0119tej)<\/button><br \/>\n            <button class=\"check\" data-v=\"guarantee\"><span class=\"box\"><\/span>Por\u0119czenie cudzego d\u0142ugu (\u017cyrowanie)<\/button><br \/>\n            <button class=\"check\" data-v=\"alimony\"><span class=\"box\"><\/span>Zaleg\u0142e alimenty<\/button><br \/>\n            <button class=\"check\" data-v=\"fines\"><span class=\"box\"><\/span>Grzywny lub kary z wyrok\u00f3w s\u0105dowych<\/button><br \/>\n            <button class=\"check\" data-v=\"gambling\"><span class=\"box\"><\/span>D\u0142ugi zwi\u0105zane z hazardem<\/button><br \/>\n            <button class=\"check\" data-v=\"other\"><span class=\"box\"><\/span>Inne<\/button>\n          <\/div>\n<\/p><\/div>\n<\/p><\/div>\n<p>      <!-- STEP 2 --><\/p>\n<div class=\"step-pane hidden\" data-step=\"2\">\n<div class=\"field\">\n          <label>Ile pieni\u0119dzy miesi\u0119cznie wp\u0142ywa do Twojego domu?<\/label><\/p>\n<div class=\"hint\">Pensje \u201ena r\u0119k\u0119\u201d, emerytura, renta, 800+, alimenty, kt\u00f3re otrzymujesz \u2014 wszystko razem.<\/div>\n<div class=\"numwrap\"><input type=\"text\" inputmode=\"numeric\" id=\"f_income\" placeholder=\"0\"><span class=\"suf\">z\u0142<\/span><\/div>\n<\/p><\/div>\n<div class=\"field\">\n          <label>Ile miesi\u0119cznie kosztuje Ci\u0119 \u017cycie?<\/label><\/p>\n<div class=\"hint\">Czynsz, jedzenie, pr\u0105d, leki, dojazdy, dzieci \u2014 ale bez rat kredyt\u00f3w i po\u017cyczek.<\/div>\n<div class=\"numwrap\"><input type=\"text\" inputmode=\"numeric\" id=\"f_costs\" placeholder=\"0\"><span class=\"suf\">z\u0142<\/span><\/div>\n<\/p><\/div>\n<div class=\"field\">\n          <label>Sk\u0105d masz g\u0142\u00f3wny doch\u00f3d?<\/label><\/p>\n<div class=\"pills\" data-key=\"incomeSource\">\n            <button class=\"pill\" data-v=\"job\">Umowa o prac\u0119<\/button><br \/>\n            <button class=\"pill\" data-v=\"biz\">W\u0142asna firma \/ zlecenia<\/button><br \/>\n            <button class=\"pill\" data-v=\"pension\">Emerytura \/ renta<\/button><br \/>\n            <button class=\"pill\" data-v=\"none\">Nie mam sta\u0142ego dochodu<\/button>\n          <\/div>\n<\/p><\/div>\n<div class=\"field\">\n          <label>Czy masz mieszkanie, dom lub dzia\u0142k\u0119?<\/label><\/p>\n<div class=\"hint\">Tak\u017ce we wsp\u00f3\u0142w\u0142asno\u015bci, np. z ma\u0142\u017conkiem. Od tego zale\u017cy, kt\u00f3ra droga odd\u0142u\u017cenia jest dla Ciebie bezpieczna.<\/div>\n<div class=\"pills\" data-key=\"property\">\n            <button class=\"pill\" data-v=\"no\">Nie<\/button><br \/>\n            <button class=\"pill\" data-v=\"yes\">Tak<\/button>\n          <\/div>\n<\/p><\/div>\n<\/p><\/div>\n<div class=\"nav-row\">\n        <button class=\"back hidden\" id=\"btnBack\">Wstecz<\/button><br \/>\n        <button class=\"btn next\" id=\"btnNext\" disabled>Dalej<\/button>\n      <\/div>\n<\/p><\/div>\n<p>    <!-- RESULT --><\/p>\n<div id=\"resultPane\" class=\"hidden\">\n<div class=\"verdict\" id=\"verdictCard\">\n<div class=\"eyebrow\" id=\"verdictEyebrow\">Wynik wst\u0119pnej analizy<\/div>\n<h2 id=\"verdictTitle\"><\/h2>\n<p id=\"verdictBody\">\n<\/p><\/div>\n<div class=\"rescard\">\n<div class=\"ttl\" id=\"assetLabel\"><\/div>\n<p id=\"assetTxt\" style=\"font-size:13.5px; color:var(--ink)\">\n<\/div>\n<div class=\"kpis\">\n<div class=\"kpi\">\n<div class=\"l\">Zostaje Ci miesi\u0119cznie<\/div>\n<div class=\"v\" id=\"kpiSurplus\"><\/div>\n<\/div>\n<div class=\"kpi\">\n<div class=\"l\">Sp\u0142ata w\u0142asnymi si\u0142ami<\/div>\n<div class=\"v\" id=\"kpiYears\"><\/div>\n<\/div><\/div>\n<div class=\"rescard hidden\" id=\"flagsCard\">\n<div class=\"ttl\">Wa\u017cne w Twojej sytuacji<\/div>\n<div id=\"flagsList\"><\/div>\n<\/div>\n<div class=\"rescard\">\n<div class=\"ttl\">Co zrobi\u0107 teraz<\/div>\n<div id=\"stepsList\"><\/div>\n<\/div>\n<div class=\"cta-dark\">\n<h3>Porozmawiaj o swoim wyniku \u2014 bezpo\u015brednio z prawnikiem<\/h3>\n<p>Rozmawiasz z Dawidem Guni\u0105, prawnikiem z 9-letnim do\u015bwiadczeniem przy post\u0119powaniach upad\u0142o\u015bciowych \u2014 nie z konsultantem infolinii. Bezp\u0142atna rozmowa kwalifikacyjna (ok. 15 min), bez zobowi\u0105za\u0144.<\/p>\n<p>        <a class=\"btn light\" style=\"display:block\" href=\"#konsultacja\" id=\"ctaBook\">Um\u00f3w bezp\u0142atn\u0105 rozmow\u0119 (15 min)<\/a><\/p>\n<p style=\"margin:14px 0 0; font-size:13px; opacity:.8; text-align:center\">Wolisz od razu konkret? <a href=\"https:\/\/sanators.com\/analiza-oddluzeniowa\/\" style=\"color:#fff; font-weight:700\">Zam\u00f3w Analiz\u0119 Odd\u0142u\u017ceniow\u0105 \u2014 499 z\u0142<\/a><br \/>(kwota zaliczana na poczet pe\u0142nej obs\u0142ugi)<\/p>\n<\/p><\/div>\n<p>      <button class=\"again\" id=\"btnAgain\">Przelicz jeszcze raz<\/button>\n    <\/div>\n<\/p><\/div>\n<\/section>\n<p><!-- KONSULTACJA (Tally) --><\/p>\n<section id=\"konsultacja\" style=\"scroll-margin-top:20px; background:#fff; border-top:1px solid var(--line); border-bottom:1px solid var(--line);\">\n<div class=\"wrap\">\n<div class=\"eyebrow\">Bezp\u0142atny pierwszy krok<\/div>\n<h2 style=\"font-size:24px; margin:10px 0 8px\">Um\u00f3w bezp\u0142atn\u0105 rozmow\u0119 kwalifikacyjn\u0105<\/h2>\n<p style=\"font-size:14.5px; color:var(--ink-soft); margin-bottom:8px\">Zostaw kontakt i kr\u00f3tko opisz spraw\u0119 \u2014 Dawid oddzwoni osobi\u015bcie. Rozmowa (ok. 15 min) s\u0142u\u017cy rozpoznaniu sytuacji i sprawdzeniu, czy mo\u017cemy pom\u00f3c; nie jest porad\u0105 prawn\u0105.<\/p>\n<p>    <iframe id=\"tallyFrame\" data-tally-src=\"https:\/\/tally.so\/embed\/A75aNW?alignLeft=1&#038;hideTitle=1&#038;transparentBackground=1&#038;dynamicHeight=1\" loading=\"lazy\" width=\"100%\" height=\"400\" frameborder=\"0\" marginheight=\"0\" marginwidth=\"0\" title=\"Formularz kontaktowy Sanators\"><\/iframe><br \/>\n    <script async src=\"https:\/\/tally.so\/widgets\/embed.js\"><\/script>\n  <\/div>\n<\/section>\n<p><!-- FAQ --><\/p>\n<section class=\"faq\">\n<div class=\"wrap\">\n<h2 style=\"font-size:24px; margin-bottom:20px\">Najcz\u0119stsze pytania<\/h2>\n<details>\n<summary>Czy w upad\u0142o\u015bci strac\u0119 mieszkanie?<\/summary>\n<p>Niekoniecznie. Je\u015bli masz nieruchomo\u015b\u0107, istnieje uk\u0142ad konsumencki \u2014 porozumienie z wierzycielami zatwierdzane przez s\u0105d, kt\u00f3re w wielu przypadkach pozwala j\u0105 zachowa\u0107. A je\u015bli dojdzie do sprzeda\u017cy mieszkania, w kt\u00f3rym mieszkasz, otrzymasz z tej kwoty \u015brodki na wynajem na 12\u201324 miesi\u0105ce. W\u0142a\u015bnie dlatego kalkulator pyta o maj\u0105tek.<\/p>\n<\/details>\n<details>\n<summary>Czy komornik przestanie dzia\u0142a\u0107?<\/summary>\n<p>Tak \u2014 z dniem og\u0142oszenia upad\u0142o\u015bci post\u0119powania komornicze zostaj\u0105 zawieszone, a po uprawomocnieniu umorzone. Zatrzymuje si\u0119 te\u017c naliczanie odsetek od wi\u0119kszo\u015bci d\u0142ug\u00f3w.<\/p>\n<\/details>\n<details>\n<summary>Ile trwa upad\u0142o\u015b\u0107 konsumencka?<\/summary>\n<p>Plan sp\u0142aty ustalany przez s\u0105d trwa zwykle do 3 lat (do 7 lat, je\u015bli s\u0105d uzna, \u017ce do d\u0142ug\u00f3w doprowadzi\u0142o ra\u017c\u0105ce niedbalstwo). W trudnej sytuacji \u017cyciowej s\u0105d mo\u017ce umorzy\u0107 d\u0142ugi nawet bez planu sp\u0142aty.<\/p>\n<\/details>\n<details>\n<summary>Czy wszystkie d\u0142ugi zostan\u0105 umorzone?<\/summary>\n<p>Wi\u0119kszo\u015b\u0107 tak, ale nie wszystkie: alimenty, grzywny i kary z wyrok\u00f3w s\u0105dowych oraz odszkodowania za wyrz\u0105dzon\u0105 krzywd\u0119 nie podlegaj\u0105 umorzeniu. Kalkulator uwzgl\u0119dnia to w analizie.<\/p>\n<\/details>\n<details>\n<summary>Czy moje dane s\u0105 bezpieczne?<\/summary>\n<p>Kalkulator dzia\u0142a w Twojej przegl\u0105darce \u2014 nie wymagamy rejestracji ani podawania danych osobowych. Dane kontaktowe podajesz dopiero wtedy, gdy sam(-a) zdecydujesz si\u0119 na bezp\u0142atn\u0105 konsultacj\u0119.<\/p>\n<\/details>\n<details>\n<summary>Ile to kosztuje?<\/summary>\n<p>Kalkulator i rozmowa kwalifikacyjna (ok. 15 min) s\u0105 ca\u0142kowicie bezp\u0142atne. P\u0142atnym krokiem jest dopiero Analiza Odd\u0142u\u017ceniowa \u2014 499 z\u0142 brutto: uporz\u0105dkowanie sytuacji, ocena ryzyk i rekomendacja \u015bcie\u017cki odd\u0142u\u017cenia. Kwota zaliczana jest na poczet pe\u0142nej obs\u0142ugi, je\u015bli zdecydujesz si\u0119 na ni\u0105 w ci\u0105gu 30 dni, a je\u015bli rzetelne przygotowanie Analizy oka\u017ce si\u0119 niemo\u017cliwe \u2014 otrzymujesz zwrot 499 z\u0142.<\/p>\n<\/details><\/div>\n<\/section>\n<p><!-- ABOUT --><\/p>\n<section class=\"about\">\n<div class=\"wrap\">\n<div class=\"eyebrow\">Kto stoi za kalkulatorem<\/div>\n<h2 style=\"font-size:24px; margin-top:10px\">Sanators \u2014 Centrum Odd\u0142u\u017cenia<\/h2>\n<p>\u201ePrzez 9 lat prowadzi\u0142em post\u0119powania upad\u0142o\u015bciowe \u2014 znam ten system od \u015brodka. Dzi\u015b jestem wy\u0142\u0105cznie po stronie zad\u0142u\u017conych.\u201d \u2014 Dawid Gunia, prawnik i ekspert od odd\u0142u\u017cania.<\/p>\n<p style=\"margin-top:10px\">Nie obiecujemy wyniku \u2014 \u017caden rzetelny specjalista nie mo\u017ce zagwarantowa\u0107 og\u0142oszenia upad\u0142o\u015bci ani umorzenia d\u0142ug\u00f3w z g\u00f3ry. Dostajesz uczciw\u0105 ocen\u0119 sytuacji i rekomendacj\u0119 najlepszej dost\u0119pnej \u015bcie\u017cki. Nie oceniamy, jak znalaz\u0142e\u015b(-a\u015b) si\u0119 w tej sytuacji \u2014 pokazujemy, co mo\u017cna z ni\u0105 zrobi\u0107.<\/p>\n<p style=\"margin-top:14px\"><a class=\"btn\" href=\"#kalkulator\">Wr\u00f3\u0107 do kalkulatora<\/a><\/p>\n<\/p><\/div>\n<\/section>\n<footer>\n<div class=\"wrap\">\n<div class=\"logo\" style=\"font-size:18px\">Sanators<span>.<\/span><\/div>\n<p style=\"font-size:13px; color:var(--ink-soft); margin-top:10px\">SANATORS sp. z o.o. \u00b7 ul. Krakowska 11C, 35-111 Rzesz\u00f3w<br \/>KRS: 0001167633 \u00b7 NIP: 5170458338 \u00b7 REGON: 541470801<br \/>e-mail: biuro@sanators.com \u00b7 tel.: <a href=\"tel:+48505872119\" style=\"color:var(--ink)\">+48 505 872 119<\/a><\/p>\n<p class=\"disc\">Wynik kalkulatora ma charakter wy\u0142\u0105cznie informacyjny i edukacyjny. Nie stanowi porady prawnej ani rekomendacji z\u0142o\u017cenia wniosku o og\u0142oszenie upad\u0142o\u015bci i nie gwarantuje og\u0142oszenia upad\u0142o\u015bci, umorzenia zobowi\u0105za\u0144 ani innego okre\u015blonego rezultatu. Ka\u017cda sytuacja wymaga indywidualnej analizy prawnej. \u00b7 <a href=\"https:\/\/sanators.com\/regulamin\/\" style=\"color:var(--ink-soft)\">Regulamin<\/a> \u00b7 <a href=\"https:\/\/sanators.com\/polityka-prywatnosci\/\" style=\"color:var(--ink-soft)\">Polityka prywatno\u015bci<\/a><button class=\"linkbtn\" type=\"button\" onclick=\"openCookieSettings()\">Ustawienia cookies<\/button><\/p>\n<\/p><\/div>\n<\/footer>\n<div id=\"balanceBar\">\n<div class=\"inner\"><span style=\"font-size:13px; opacity:.8\">Zostaje Ci miesi\u0119cznie<\/span><span class=\"amount\" id=\"balAmount\"><\/span><\/div>\n<\/div>\n<p><script>\n(function(){\n  const state = { step:0, debt:\"\", creditors:\"\", arrears:\"\", bailiff:\"\", income:\"\", costs:\"\", incomeSource:\"\", property:\"\", sources:[] };\n  const fmt = n => isNaN(n)||n===null ? \"\u2014\" : new Intl.NumberFormat(\"pl-PL\",{maximumFractionDigits:0}).format(n)+\" z\u0142\";\n  [[\"f_debt\",\"debt\"],[\"f_income\",\"income\"],[\"f_costs\",\"costs\"]].forEach(([id,key])=>{\n    const el = document.getElementById(id);\n    el.addEventListener(\"input\", ()=>{\n      const raw = el.value.replace(\/[^\\d]\/g,\"\");\n      state[key] = raw===\"\" ? \"\" : Math.min(Number(raw),99999999);\n      el.value = state[key]===\"\" ? \"\" : new Intl.NumberFormat(\"pl-PL\").format(state[key]);\n      refresh();\n    });\n  });\n  document.querySelectorAll(\".pills\").forEach(group=>{\n    group.addEventListener(\"click\", e=>{\n      const b = e.target.closest(\".pill\"); if(!b) return;\n      group.querySelectorAll(\".pill\").forEach(p=>p.classList.remove(\"on\"));\n      b.classList.add(\"on\");\n      state[group.dataset.key] = b.dataset.v;\n      refresh();\n    });\n  });\n  document.getElementById(\"sources\").addEventListener(\"click\", e=>{\n    const b = e.target.closest(\".check\"); if(!b) return;\n    const v = b.dataset.v;\n    if(state.sources.includes(v)){ state.sources = state.sources.filter(x=>x!==v); b.classList.remove(\"on\"); b.querySelector(\".box\").textContent=\"\"; }\n    else{ state.sources.push(v); b.classList.add(\"on\"); b.querySelector(\".box\").textContent=\"\u2713\"; }\n    refresh();\n  });\n  const btnNext = document.getElementById(\"btnNext\");\n  const btnBack = document.getElementById(\"btnBack\");\n  function stepValid(){\n    if(state.step===0) return [state.debt!==\"\", state.creditors, state.arrears, state.bailiff].every(Boolean);\n    if(state.step===1) return state.sources.length>0;\n    return [state.income!==\"\", state.costs!==\"\", state.incomeSource, state.property].every(Boolean);\n  }\n  function refresh(){\n    btnNext.disabled = !stepValid();\n    btnNext.textContent = state.step===2 ? \"Zobacz swoje mo\u017cliwo\u015bci\" : \"Dalej\";\n    btnBack.classList.toggle(\"hidden\", state.step===0);\n    document.querySelectorAll(\".step-pane\").forEach(p=>p.classList.toggle(\"hidden\", Number(p.dataset.step)!==state.step));\n    document.querySelectorAll(\"#progress > div\").forEach((d,i)=>{\n      d.querySelector(\".bar\").classList.toggle(\"on\", i<=state.step);\n      d.querySelector(\".lbl\").classList.toggle(\"on\", i===state.step);\n    });\n    const ready = [state.income!==\"\", state.costs!==\"\"].every(Boolean);\n    const bar = document.getElementById(\"balanceBar\");\n    if([ready, state.step<3, document.getElementById(\"resultPane\").classList.contains(\"hidden\")].every(Boolean)){\n      const s = Number(state.income)-Number(state.costs);\n      bar.style.display = \"block\";\n      const a = document.getElementById(\"balAmount\");\n      a.textContent = (s>=0?\"+\":\"\")+fmt(s);\n      a.style.color = s>=0 ? \"#7FD1A8\" : \"#F2A196\";\n    } else bar.style.display = \"none\";\n  }\n  function diagnose(d){\n    const debt=Number(d.debt)||0, income=Number(d.income)||0, costs=Number(d.costs)||0;\n    const surplus = income-costs;\n    const years = surplus>0 ? debt\/(surplus*12) : Infinity;\n    const src = d.sources;\n    let ins=0, neg=0; const flags=[];\n    if(d.arrears===\"6+\") ins+=3; else if(d.arrears===\"3-6\") ins+=2; else if(d.arrears===\"1-2\") neg+=1; else neg+=2;\n    if(surplus<=0) ins+=3; else if(years>8) ins+=2; else if(years>5) ins+=1; else neg+=2;\n    if(d.incomeSource===\"none\") ins+=2; else if(d.incomeSource===\"job\"||d.incomeSource===\"pension\") neg+=1;\n    if(d.bailiff===\"yes\") ins+=1;\n    if(d.creditors===\"5+\") ins+=1; else if(d.creditors===\"1-2\") neg+=1;\n    if(src.includes(\"alimony\")) flags.push({t:\"hard\",txt:\"Alimenty nie znikaj\u0105 w upad\u0142o\u015bci. Nawet po umorzeniu innych d\u0142ug\u00f3w alimenty trzeba p\u0142aci\u0107 dalej \u2014 zar\u00f3wno zaleg\u0142e, jak i bie\u017c\u0105ce.\"});\n    if(src.includes(\"fines\")) flags.push({t:\"hard\",txt:\"Grzywny i kary z wyrok\u00f3w s\u0105dowych nie podlegaj\u0105 umorzeniu. S\u0105d nie mo\u017ce ich \u201eskasowa\u0107\u201d w upad\u0142o\u015bci.\"});\n    if(src.includes(\"gambling\")) flags.push({t:\"risk\",txt:\"D\u0142ugi z hazardu s\u0105d mo\u017ce uzna\u0107 za powsta\u0142e z Twojej winy (tzw. ra\u017c\u0105ce niedbalstwo). Odd\u0142u\u017cenie nadal jest mo\u017cliwe, ale plan sp\u0142aty mo\u017ce zosta\u0107 wyd\u0142u\u017cony nawet do 7 lat. To sytuacja, kt\u00f3r\u0105 koniecznie trzeba om\u00f3wi\u0107 z prawnikiem przed z\u0142o\u017ceniem wniosku.\"});\n    if(src.includes(\"business\")) flags.push({t:\"risk\",txt:\"D\u0142ugi z firmy (tak\u017ce zamkni\u0119tej) wymagaj\u0105 osobnej analizy \u2014 m.in. tego, czy w por\u0119 z\u0142o\u017cono odpowiednie wnioski. To mo\u017ce wp\u0142yn\u0105\u0107 na przebieg odd\u0142u\u017cenia.\"});\n    if(src.includes(\"guarantee\")) flags.push({t:\"info\",txt:\"Por\u0119czy\u0142e\u015b(-a\u015b) cudzy d\u0142ug \u2014 odpowiadasz za niego tak, jakby by\u0142 Tw\u00f3j, ale w niekt\u00f3rych sytuacjach mo\u017cna dochodzi\u0107 zwrotu od osoby, za kt\u00f3r\u0105 por\u0119czono.\"});\n    if(src.includes(\"payday\")) flags.push({t:\"info\",txt:\"Chwil\u00f3wki cz\u0119sto zawieraj\u0105 zawy\u017cone koszty, kt\u00f3re mo\u017cna podwa\u017cy\u0107 \u2014 czasem d\u0142ug da si\u0119 realnie zmniejszy\u0107 jeszcze przed negocjacjami czy upad\u0142o\u015bci\u0105 (tzw. sankcja kredytu darmowego).\"});\n    const riskCount = flags.filter(f=>f.t===\"risk\").length;\n    const gap = ins-neg;\n    let verdict;\n    if(Math.abs(gap)<=1 || riskCount>=1) verdict=\"consult\";\n    else if(gap>=2) verdict=\"bankruptcy\";\n    else verdict=\"negotiate\";\n    if([verdict===\"bankruptcy\", src.includes(\"gambling\")].every(Boolean)) verdict=\"consult\";\n    return {surplus, years, verdict, flags};\n  }\n  const RESULTS = {\n    negotiate:{c:\"var(--green)\",bg:\"var(--green-bg)\",\n      title:\"Masz realn\u0105 szans\u0119 dogada\u0107 si\u0119 z wierzycielami\",\n      body:\"Z Twoich odpowiedzi wynika, \u017ce po op\u0142aceniu koszt\u00f3w \u017cycia zostaj\u0105 Ci pieni\u0105dze, a d\u0142ugi s\u0105 mo\u017cliwe do sp\u0142aty \u2014 pod warunkiem zmiany warunk\u00f3w. Mo\u017cna negocjowa\u0107 z bankami i firmami po\u017cyczkowymi: obni\u017cenie rat, roz\u0142o\u017cenie sp\u0142aty na d\u0142u\u017cej, umorzenie cz\u0119\u015bci odsetek. To droga bez s\u0105du i bez wpisu o upad\u0142o\u015bci.\",\n      steps:[\"Spisz wszystkie d\u0142ugi: komu, ile i jaka jest rata\",\"Nie bierz nowej po\u017cyczki na sp\u0142at\u0119 starej \u2014 to pog\u0142\u0119bia problem\",\"Odezwij si\u0119 do wierzycieli, zanim zaleg\u0142o\u015b\u0107 przekroczy 3 miesi\u0105ce\"]},\n    bankruptcy:{c:\"var(--blue)\",bg:\"var(--blue-bg)\",\n      title:\"Twoja sytuacja wskazuje na upad\u0142o\u015b\u0107 konsumenck\u0105\",\n      body:\"Z Twoich odpowiedzi wynika, \u017ce d\u0142ugi przeros\u0142y Twoje mo\u017cliwo\u015bci i samodzielna sp\u0142ata jest nierealna. Upad\u0142o\u015b\u0107 konsumencka to legalna, s\u0105dowa droga wyj\u015bcia z d\u0142ug\u00f3w: s\u0105d ustala plan sp\u0142aty dopasowany do Twoich mo\u017cliwo\u015bci (zwykle do 3 lat), a reszt\u0119 d\u0142ug\u00f3w umarza \u2014 czyli przestaj\u0105 istnie\u0107. Komornik przestaje dzia\u0142a\u0107, a naliczanie odsetek zostaje zatrzymane.\",\n      steps:[\"Nie sprzedawaj i nie przepisuj niczego na rodzin\u0119 \u2014 s\u0105d to sprawdzi i mo\u017ce odm\u00f3wi\u0107 odd\u0142u\u017cenia\",\"Zbierz dokumenty: umowy, wezwania do zap\u0142aty, pisma od komornika\",\"Wniosek do s\u0105du przygotuj z prawnikiem \u2014 b\u0142\u0119dy we wniosku op\u00f3\u017aniaj\u0105 spraw\u0119 o miesi\u0105ce\"]},\n    consult:{c:\"var(--amber)\",bg:\"var(--amber-bg)\",\n      title:\"Twoja sytuacja wymaga rozmowy z prawnikiem\",\n      body:\"Twoje odpowiedzi zawieraj\u0105 elementy, kt\u00f3re przemawiaj\u0105 za r\u00f3\u017cnymi rozwi\u0105zaniami \u2014 albo takie, kt\u00f3re istotnie zmieniaj\u0105 strategi\u0119 (np. rodzaj d\u0142ug\u00f3w lub maj\u0105tek). Wyb\u00f3r z\u0142ej drogi na tym etapie mo\u017ce kosztowa\u0107 Ci\u0119 maj\u0105tek albo lata niepotrzebnej sp\u0142aty. Dobra wiadomo\u015b\u0107: masz opcje. Trzeba je tylko w\u0142a\u015bciwie dobra\u0107.\",\n      steps:[\"Nie sk\u0142adaj wniosku o upad\u0142o\u015b\u0107 na w\u0142asn\u0105 r\u0119k\u0119 \u2014 najpierw sprawd\u017a konsekwencje\",\"Zabezpiecz dokumenty: umowy, wezwania, pisma od komornika\",\"Skorzystaj z bezp\u0142atnej konsultacji \u2014 poznasz swoje opcje bez zobowi\u0105za\u0144\"]},\n  };\n  const ASSET = {\n    yes:{label:\"Tw\u00f3j wariant: z maj\u0105tkiem\", txt:\"Masz nieruchomo\u015b\u0107, wi\u0119c wyb\u00f3r drogi jest szczeg\u00f3lnie wa\u017cny. W upad\u0142o\u015bci mieszkanie lub dom co do zasady sprzedaje syndyk (urz\u0119dnik zarz\u0105dzaj\u0105cy maj\u0105tkiem) \u2014 ale je\u015bli w nim mieszkasz, z ceny sprzeda\u017cy dostaniesz pieni\u0105dze na wynajem na 12\u201324 miesi\u0105ce. Istnieje te\u017c uk\u0142ad konsumencki: zatwierdzane przez s\u0105d porozumienie z wierzycielami, kt\u00f3re w wielu przypadkach pozwala zachowa\u0107 nieruchomo\u015b\u0107 w zamian za realny plan sp\u0142aty. Kt\u00f3r\u0105 drog\u0119 wybra\u0107 \u2014 to kluczowa decyzja do om\u00f3wienia z prawnikiem.\"},\n    no:{label:\"Tw\u00f3j wariant: bez maj\u0105tku\", txt:\"Nie masz nieruchomo\u015bci ani wi\u0119kszego maj\u0105tku, wi\u0119c post\u0119powanie jest zwykle prostsze i szybsze \u2014 nie ma czego sprzedawa\u0107, a wszystko sprowadza si\u0119 do planu sp\u0142aty dopasowanego do Twoich dochod\u00f3w. Przy niskich dochodach lub trudnej sytuacji \u017cyciowej s\u0105d mo\u017ce umorzy\u0107 d\u0142ugi nawet bez planu sp\u0142aty.\"},\n  };\n  function showResult(){\n    const r = diagnose(state);\n    const R = RESULTS[r.verdict];\n    document.getElementById(\"calcCard\").classList.add(\"hidden\");\n    const pane = document.getElementById(\"resultPane\");\n    pane.classList.remove(\"hidden\");\n    const vc = document.getElementById(\"verdictCard\");\n    vc.style.background = R.bg; vc.style.borderColor = R.c;\n    document.getElementById(\"verdictEyebrow\").style.color = R.c;\n    document.getElementById(\"verdictTitle\").textContent = R.title;\n    document.getElementById(\"verdictBody\").textContent = R.body;\n    const av = ASSET[state.property===\"yes\"?\"yes\":\"no\"];\n    document.getElementById(\"assetLabel\").textContent = av.label;\n    document.getElementById(\"assetTxt\").textContent = av.txt;\n    const ks = document.getElementById(\"kpiSurplus\");\n    ks.textContent = (r.surplus>=0?\"+\":\"\")+fmt(r.surplus);\n    ks.style.color = r.surplus>=0 ? \"var(--green)\" : \"var(--danger)\";\n    document.getElementById(\"kpiYears\").textContent = r.years===Infinity ? \"nierealna\" : r.years<1 ? \"poni\u017cej roku\" : \"ok. \"+Math.ceil(r.years)+\" lat\";\n    const fc = document.getElementById(\"flagsCard\"), fl = document.getElementById(\"flagsList\");\n    fl.innerHTML = \"\";\n    if(r.flags.length){ fc.classList.remove(\"hidden\");\n      r.flags.forEach(f=>{ const d=document.createElement(\"div\"); d.className=\"flag \"+f.t; d.textContent=f.txt; fl.appendChild(d); });\n    } else fc.classList.add(\"hidden\");\n    const sl = document.getElementById(\"stepsList\"); sl.innerHTML=\"\";\n    R.steps.forEach((s,i)=>{ const d=document.createElement(\"div\"); d.className=\"stepitem\";\n      d.innerHTML = \"<b style='color:\"+R.c+\"'>\"+(i+1)+\".<\/b><span>\"+s+\"<\/span>\"; sl.appendChild(d); });\n    document.getElementById(\"balanceBar\").style.display=\"none\";\n    \/\/ === PRZEKAZANIE WYNIKU DO TALLY (ukryte pola) ===\n    \/\/ Wymaga dodania ukrytych p\u00f3l w formularzu Tally A75aNW o nazwach:\n    \/\/ wynik, bilans, dlug, zaleglosci, komornik, majatek, zrodla\n    try {\n      const tallyBase = \"https:\/\/tally.so\/embed\/A75aNW?alignLeft=1\\u0026hideTitle=1\\u0026transparentBackground=1\\u0026dynamicHeight=1\";\n      const tp = new URLSearchParams({\n        wynik: r.verdict,\n        bilans: String(r.surplus),\n        dlug: String(state.debt),\n        zaleglosci: state.arrears,\n        komornik: state.bailiff,\n        majatek: state.property,\n        zrodla: state.sources.join(\",\")\n      });\n      const tIframe = document.getElementById(\"tallyFrame\");\n      if (tIframe) {\n        const newSrc = tallyBase + \"\\u0026\" + tp.toString();\n        tIframe.setAttribute(\"data-tally-src\", newSrc);\n        tIframe.src = newSrc;\n      }\n    } catch(e) { console.warn(\"Tally params error\", e); }\n    \/\/ === ZDARZENIE ANALITYCZNE ===\n    \/\/ Konfiguracja tag\u00f3w w GTM; odpalenie WY\u0141\u0104CZNIE po zgodzie marketingowej (Consent Mode v2)\n    if (window.dataLayer) {\n      window.dataLayer.push({ event: \"calc_complete\", calc_verdict: r.verdict });\n    }\n    pane.scrollIntoView({behavior:\"smooth\", block:\"start\"});\n    window.__calcResult = { ...state, verdict:r.verdict, surplus:r.surplus };\n  }\n  btnNext.addEventListener(\"click\", ()=>{\n    if(!stepValid()) return;\n    if(state.step===0) if(window.dataLayer){ window.dataLayer.push({ event: \"calc_start\" }); }\n    if(state.step===2){ showResult(); return; }\n    state.step++; refresh();\n  });\n  btnBack.addEventListener(\"click\", ()=>{ if(state.step>0){ state.step--; refresh(); } });\n  document.getElementById(\"btnAgain\").addEventListener(\"click\", ()=>{\n    state.step=0;\n    document.getElementById(\"resultPane\").classList.add(\"hidden\");\n    document.getElementById(\"calcCard\").classList.remove(\"hidden\");\n    refresh();\n    document.getElementById(\"kalkulator\").scrollIntoView({behavior:\"smooth\"});\n  });\n  refresh();\n})();\n<\/script><br \/>\n<!-- CONSENT \/ COOKIE BANNER (wsp\u00f3lny z landingami) --><\/p>\n<style>\n#cookie-banner{position:fixed;left:0;right:0;bottom:0;z-index:100;background:#fff;border-top:3px solid var(--teal); 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}\n  window.dataLayer=window.dataLayer||[];\n  var orig=window.dataLayer.push.bind(window.dataLayer);\n  window.dataLayer.push=function(x){\n    if(x)if(x.event===\"calc_start\"||x.event===\"calc_complete\")handle(x);\n    return orig(x);\n  };\n  setInterval(function(){\n    if(q.length===0)return;\n    var rest=[];\n    for(var i=0;i<q.length;i++){ if(!trySend(q[i]))rest.push(q[i]); }\n    q=rest;\n  },1500);\n})();\n<\/script><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Sanators. \u260e +48 505 872 119 Bezp\u0142atny kalkulator odd\u0142u\u017cenia Sprawd\u017a, jak legalnie wyj\u015b\u0107 z d\u0142ug\u00f3w \u2014 zanim zdecydujesz Odpowiedz na..<\/p>","protected":false},"author":2,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"elementor_canvas","meta":{"footnotes":""},"class_list":["post-37043","page","type-page","status-publish","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.6 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Kalkulator odd\u0142u\u017cenia \u2014 bezp\u0142atna analiza Twoich mo\u017cliwo\u015bci - Sanators<\/title>\n<meta name=\"description\" content=\"Sprawd\u017a w 2 minuty, czy Twoja sytuacja kwalifikuje si\u0119 do negocjacji z wierzycielami, czy do upad\u0142o\u015bci konsumenckiej. Bezp\u0142atnie, bez rejestracji, zgodnie z prawem.\" \/>\n<meta name=\"robots\" content=\"noindex, follow\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Kalkulator odd\u0142u\u017cenia \u2014 bezp\u0142atna analiza Twoich mo\u017cliwo\u015bci - Sanators\" \/>\n<meta property=\"og:description\" content=\"Sprawd\u017a w 2 minuty, czy Twoja sytuacja kwalifikuje si\u0119 do negocjacji z wierzycielami, czy do upad\u0142o\u015bci konsumenckiej. 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