Loan Interest Guide

Know the true cost of a loan before you commit.

Loan Interest Guide helps you estimate monthly payments, total interest, total repayment, and real APR—including optional fees. Compare repayment methods side by side, save loan plans, and see how rate changes or early payments may affect your total cost.

CALCULATE THE FULL COST

• Enter the loan amount, term, annual interest rate, and optional fees
• See monthly payments, total interest, total repayment, and real APR
• Review a month-by-month payment schedule
• Include upfront, back-end, or monthly fees in your calculations

COMPARE REPAYMENT METHODS

Compare four common repayment structures:

• Equal Principal Payment
• Equal Installment Payment
• Interest-Only Loan
• Fixed Payment Loan

See how each method affects your monthly payment, total interest, and overall repayment.

SAVE AND COMPARE LOAN OFFERS

Save different loan plans and compare them side by side. Quickly identify which option has the lower estimated total cost.

PLAN FOR RATE CHANGES AND EARLY REPAYMENT

Premium tools let you:

• Simulate changes to your interest rate
• Estimate savings from early repayment
• Include prepayment fees in your analysis
• Explore a repayment strategy based on the details you enter
• Use the app without ads

CONVERT AND LEARN

• Convert between daily, monthly, and annual interest rates
• Learn how different repayment methods work
• Review formulas, advantages, and disadvantages

PRIVATE BY DESIGN

Your saved loan details stay on your device.

PREMIUM ACCESS

Choose a monthly or annual auto-renewable subscription, or unlock lifetime access with a one-time purchase.

Subscriptions automatically renew unless canceled at least 24 hours before the end of the current period. You can manage or cancel subscriptions in your Apple Account settings.

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DISCLAIMER

Results are estimates provided for informational purposes only. Loan Interest Guide does not provide loans, lending services, financial advice, or guarantees of loan approval. Always confirm rates, fees, and repayment terms with your lender.