Pautang Peso

Pautang Peso is an offline credit planning tool for users who want to compare repayment terms for an existing debt. Enter your current balance, fixed annual rate, first future payment date, currency, and a monthly payment limit to evaluate several repayment periods.

With Pautang Peso, you can compare two to five different repayment terms from 1 to 600 months. For each term, the app calculates the regular monthly payment, estimated interest, total payments, and projected payoff date using a fixed monthly interest model.

Pautang Peso is designed for planning an existing loan or credit obligation, not for applying for new financing. The app does not provide loans, accept applications, check eligibility, offer approval, contact lenders, or change the terms of any agreement.

The Pautang Peso comparison shows a payment boundary based on your own monthly limit. A visual chart places repayment duration against monthly payment and highlights the shortest entered term that fits within the selected limit. Changing the limit updates availability without changing the calculated payment for each term.

Pautang Peso also provides a detailed monthly schedule with the opening balance, calculated interest, principal reduction, payment, and closing balance. Calculations use decimal arithmetic and a defined currency rounding rule. The final payment is adjusted when necessary to close the modeled balance accurately.

If a rounded regular payment would not cover the calculated interest, Pautang Peso marks the option as unsuitable instead of showing an inaccurate payoff result. The calculation does not include lender fees, commissions, early repayment changes, or other contractual adjustments.

The app lets you save an independent named snapshot of the debt information, payment limit, selected term, and calculated schedule. Changes to the original debt do not rewrite a saved plan. Saved plans can also include personal payment completion marks, which are only for tracking and do not confirm an actual bank transfer.

Pautang Peso works fully offline. Your debt information, comparisons, saved plans, and personal tracking data remain on the device. User-entered names and notes are kept as entered.

Pautang Peso is a mathematical planning tool for an existing credit or loan obligation. Its repayment schedules are estimates based on the information you provide and should not be treated as offers, approvals, or official terms from a lender.