Loan Calculator: Payoff Plan

Loan Calculator works your loan out to the last month — on your iPhone, with no account and no internet connection.

Enter the amount, the interest rate and how the payment is set. At the top you immediately see the monthly payment, the whole term drawn as one line, the balance still owed when the fixed rate ends, and the month you are debt-free.

AFTER THE FIXED RATE
What does the remaining balance cost when the fixed-rate period ends? Set a follow-up rate and choose: keep your payment (the app shows when you finish) or keep your end date (the app shows the new payment). Neighbouring rates sit right next to it, and the app warns when today's payment would no longer cover the interest.

COMPARE OFFERS
Keep up to four bank offers under the bank's name. The app compares them up to the end of the shortest fixed rate: interest paid until then and the balance left after. A lower rate is not automatically the cheaper loan.

THE FULL AMORTIZATION SCHEDULE
Year by year or month by month, with interest, principal and remaining balance. The year the fixed rate ends is marked. Share it as a PDF for the meeting with your bank or as a CSV for any spreadsheet.

WHAT PAYING EXTRA SAVES
Add a yearly, one-time or monthly overpayment and see how many months earlier you finish and how much interest disappears. Set your contract's overpayment right (5 or 10 percent a year) and the app warns when the plan goes beyond it.

THREE WAYS TO CALCULATE
- by initial repayment rate (how mortgages are quoted in much of Europe)
- by term in years (a classic consumer loan)
- by a monthly payment you choose yourself

NOTHING LEAVES YOUR DEVICE
No account, no sign-up, no network requests at all. It works in airplane mode. The App Store privacy label reads "Data Not Collected" because nothing is collected.

FREE AND PAID
Free: the complete calculation, the follow-up rate and the first year of the schedule. Loan Calculator Pro is one payment and unlocks the full schedule, overpayments, offer comparison and PDF and CSV export. No subscription.

Note: this app is a calculator, not financial advice. It assumes a constant nominal rate and leaves out fees and taxes.