Estimate the monthly payment
Model principal, annual interest rate, term, and optional extra monthly payments in one focused calculator.
A clear payment and amortization planner
Know the payment.
See the full cost.
Model principal, interest rate, term, and extra monthly payments, then inspect the estimated schedule and compare saved scenarios side by side.
Coming soon · In App Store reviewHow it works
Free at launchiPhone · iOS 18+By Ideas All Day Ltd
Built for the task
Estimate the monthly payment
Native iOS
The short answer
A direct definition for readers, search engines, and answer systems.
What is Loan Calculator?
Loan Calculator is an iPhone financial planning utility that estimates monthly principal-and-interest payments, total interest, total cost, extra-payment savings, and an amortization schedule from the values you enter. It can keep comparison scenarios locally.
All calculations are estimates for informational purposes, not financial advice, underwriting, approval, a rate quote, or a lending offer. Confirm actual rates, fees, taxes, insurance, and terms with the lender.
- Model
- Fixed-rate estimate
- Schedule
- Payment by payment
- Account
- Not required
Inside the app
Focused tools, built around one job.
Every feature supports the same workflow, so the app feels like a system rather than a folder of disconnected AI buttons.
01
Separate principal and interest
See the estimated total principal, total interest, and overall cost behind the monthly figure.
Inspect every estimated payment
Open the amortization schedule to review principal, interest, and remaining balance over the modeled term.
Explore early payoff
Add an extra monthly amount and compare the estimated time and interest saved under the same assumptions.
Compare local scenarios
Save multiple examples on the iPhone and keep alternatives such as a home, car, or renovation side by side.
Estimates, not an offer
The app does not include every fee, tax, compounding rule, lender policy, or variable-rate change.
Product tour
See the workflow.
Real screens from the current iPhone experience.
How it works
From input to useful answer.
- 01
Enter the loan assumptions
Add principal, annual rate, term, and any extra monthly payment you want to model.
- 02
Review the estimated totals
Compare monthly payment, total interest, total cost, and the modeled payoff date.
- 03
Inspect or save the scenario
Open the full schedule and keep useful examples locally for later comparison.
Who it helps
Useful in the moment you need it.
Home buyersCar shoppersRefinance plannersPersonal budgeters
Practical guide
How to pay off a loan early
Check the contract and current payoff quote, model an extra monthly principal amount, compare estimated time and interest saved, and confirm how the lender or servicer will apply the payment.
Direct answers
Frequently asked questions.
What does the monthly payment include?
The core result estimates principal and interest from the values entered. It may not include taxes, insurance, closing costs, origination fees, penalties, changing rates, or lender-specific rules.
Can I model extra payments?
Yes. Add an extra monthly amount to estimate how the payoff timeline and total interest change under the same assumptions.
Are these numbers a lending offer?
No. Results are informational estimates, not financial advice, approval, a quote, or a lending offer. Confirm every term and fee with the actual lender.
Where are saved loans stored?
The submitted initial release keeps saved scenarios locally in the app’s private container on the iPhone. No account is required.
Currently in App Store review
Loan Calculator is almost ready.
Version 1.0 has been submitted to Apple and the public store page will appear after approval.
Submitted to App Store