Loanly: Loan & EMI Calculator

Loanly is a clear, private loan and EMI calculator with a built-in library of plain-language loan guides. No sign-up and no account: the figures you enter stay on your phone.

CALCULATE
• Loan / EMI payments for any amount, rate and term
• Mortgage payments including property tax, insurance and HOA
• Car loan payments with trade-in, sales tax and fees
• Affordability: how much you can borrow from a target monthly payment
• Extra payments: see the interest and months you save

DECIDE
• Refinance break-even: compare your current loan with a new offer and see the monthly saving, the break-even point and the lifetime saving
• Full amortization schedule by month or year, exportable to PDF or CSV
• Save calculations and compare two side by side

LEARN
• Short guides: how amortization works, APR vs interest rate, fixed vs variable rates, paying off a loan faster, what lenders look at, whether to refinance and why the deposit matters
• A glossary of loan terms such as APR, LTV, DTI, escrow and points

PRIVATE BY DESIGN
• The calculators work offline and nothing you type is uploaded
• No live rates: you control every number, so nothing goes out of date
• Many languages, with full right-to-left support

Free with non-personalised ads. Remove ads with a single one-time purchase.

Loanly provides estimates and general information only. It is not financial advice, and it does not offer loans or connect you with lenders.