GoLoanly: Loan Payoff Planner

Go overpay your loan. Save thousands.

GoLoanly isn't another loan calculator. It helps you pay off your mortgage, car loan or any loan years sooner, and keeps you on track while you do.

Your lender's schedule is built to collect interest. GoLoanly is built to cut it.

Understand: ask the AI Coach
Ask about your own loan in plain words: "What if I paid $100 more a month?" or "Which loan should I pay off first?" The Coach suggests strategies that fit what you can spare, and you apply one to your plan in a tap. Every figure comes from GoLoanly's own calculations, not the AI.

Plan: compare strategies side by side
A bit more each month, a yearly or one-off lump sum, or an early settlement: see them all on one chart, with the payoff date, time saved, interest saved and total you'll pay for each. Try as many what-ifs as you like and keep the ones that work.

Stay on track: reminders
Get a heads-up a week before each lump sum or settlement, an update on the interest you've saved every 3 months, and a check-in every 2 months to keep your plan up to date.

Also in GoLoanly
• Import your loan from a CSV schedule, or let AI read your loan statement PDF
• Compare loans and see all of them in one portfolio, with one debt-free date
• Fixed, variable and mixed rates; pounds, euros and US dollars
• The full schedule, month by month
• The calculator works offline, with no account. Your data is never sold.

Free and Plus
Free: the offline calculator and reminders, with no account, and up to 5 plans with 3 custom strategies each. A free account adds cloud backup and sync, 5
AI Coach questions a month and 2 PDF imports.
GoLoanly Plus: unlimited plans, strategies, AI Coach questions and PDF imports, PDF and Excel export, and a monthly AI review of your progress by email.

GoLoanly is a planning tool, not financial advice. Check your lender's terms for prepayment penalties before you pay extra.

Recent changes:
• See the total you'll pay for each overpayment strategy
• Your overpayments now show on the repayment schedule
• Smoother typing in the overpayment amount fields