Loan Calculator & Payments

Every loan question, in one app: what will I pay each month, how much can I borrow, which offer really costs less, and what happens if I pay a little extra.

Enter the amount, the annual rate and the term. The monthly payment, the total interest and the total cost appear straight away, and so does the full month-by-month schedule, with real calendar dates.

INCLUDED IN THE APP

• Monthly payment for a mortgage, a car loan or a personal loan
• Total interest and total cost over the whole term
• The complete amortization schedule, month by month, with the month and year of each payment and a heading for each year
• An extra monthly payment, and what it saves you in interest and in time
• How much can I borrow: from your income, your current debt payments and your down payment
• Two offers compared side by side, with a plain verdict
• A payoff goal: pick the year you want to be done, see what it takes
• Three saved loans, and the result shared as text

HOW MUCH CAN I BORROW

Start from what you earn instead of a number you guessed. Enter your monthly income, the instalments you already pay and what you can put down. The app applies the share of income lenders allow (you can move it between 20 % and 50 %) and gives you the amount and the maximum purchase price.

COMPARE TWO OFFERS, AND READ THE TRAP

The offer with the lowest monthly payment is regularly the most expensive one, because it runs longer. The comparison says so in one line: which offer costs less over its whole life, and by how much.

WITH PRO

• Overpayments beyond the monthly one: once a year (the bonus, a 13th month) and one-off payments, as many as you need
• Refinancing: the monthly saving, the saving over the whole loan, and how many months it takes to win back the fees
• Work backwards from a payment: find the amount, the real annual rate or the time to pay off. A quote that shows an instalment and no rate is hiding the rate
• Compare up to four offers
• PDF report with a year-by-year table, and CSV export of the monthly schedule. Creating the PDF needs an internet connection
• Saved loans without limit, and no ads

Pro is sold weekly, monthly, or once for life. The ads can also be removed on their own, and a single PDF report can be bought on its own. The weekly subscription starts with a 3-day trial, and the ads stay on.

STRAIGHT ABOUT WHAT IT DOES

The calculations run on the device: no account, no sign-up, and your figures are not uploaded anywhere. The app shows ads, and never interrupts you between entering a loan and reading its schedule. Rates are fixed: the app does not model a variable rate or a rate that changes in steps.

NOT A LENDER. This app calculates; it does not lend, does not arrange credit, and passes your details to nobody.

Recent changes:
The PDF export now shows a clear message when you are offline, and the trial length shown on the subscription screen now matches the real 3-day trial.