Amortly: Loan Calculator

Amortly turns any loan into clear numbers in seconds. Enter the amount, the rate and the term — and see the monthly payment, total interest, overpayment and a full amortization schedule.

WHAT YOU GET
• Loan calculator with annuity and differentiated schemes
• Month-by-month and year-by-year payment schedule
• Early payoff planner: extra monthly payments or a one-time payment, shorten the term or lower the payment, see the interest you save
• Compare two loans side by side — perfect for refinancing decisions
• Affordability tool: how much you can borrow within a healthy debt-to-income ratio
• Savings planner with monthly compounding and "time to goal"
• My Loans: track your real loans, mark payments, watch the balance shrink
• 16 short guides: rates and APR, snowball vs avalanche, refinancing, fees, budgeting
• Presets for mortgage, auto, personal, student, business, credit card, refinance and renovation loans
• 12 currencies, light and dark themes, accent colours

STAY MOTIVATED
Daily check-ins with streaks, achievements and in-app coins that unlock themes and boosters. Coins are earned inside the app only — there is nothing to buy with real money.

PRIVACY FIRST
Everything stays on your device. No account, no data collection, works offline.

IMPORTANT
Amortly is a calculator, not a lender. It does not offer, broker or arrange loans and has no partnership with any bank. All results are estimates based on standard formulas; real contracts may include fees, insurance and rate changes — always rely on your lender's official schedule. Guides are educational content, not financial advice.