Loan Expert: Calculator

Loan Expert computes your monthly payments, total interest and complete amortization schedule in seconds — no account, no sign-up and no Internet connection.

EVERYTHING WORKS OFFLINE
All calculations run on your phone. No financial data ever leaves the device and no server is involved. You can run a simulation inside a bank branch, a car dealership or a basement with no signal.

FOUR PRESET LOAN TYPES
• Mortgage
• Auto loan
• Consumer loan
• Student loan (with grace period)

Each profile comes with realistic amounts, terms and rates that you can adjust freely.

WHAT YOU GET INSTANTLY
• Monthly payment, with and without borrower insurance
• Total interest and total insurance
• Application fees
• Total cost of credit
• Estimated APR
• Full month-by-month schedule: principal, interest, insurance and outstanding balance

MORE THAN A SIMPLE CALCULATOR
• Early repayment: enter a month and an amount, the app shows the months saved and the interest avoided
• Grace period, useful for student loans
• Insurance as an annual rate or a fixed monthly amount
• Rate comparison: instantly see your rate against −0.5% and +0.5% to know what negotiating is worth
• Chart of outstanding principal and cumulative interest over the full term

COMPARE YOUR OFFERS
Save several simulations, name them, then display them side by side: monthly payment, total cost, APR. You immediately see which offer is genuinely cheaper.

EXPORT YOUR NUMBERS
• PDF: the complete schedule, ready to print or to show your bank
• CSV: your simulations, ready for Excel, LibreOffice or Google Sheets

COMFORT
• French and English
• Light and dark theme
• One-handed friendly interface

Loan Expert is a simulation tool meant to help you prepare and compare financing plans. Results are indicative: only the loan offer issued by your institution is contractually binding. The displayed APR is an estimate and may differ from the legal APR computed by your bank.