LoanLens: EMI & Loan Manager

LoanLens is an offline loan calculator and loan-planning tool. LoanLens does NOT lend money, arrange or facilitate loans, generate leads for lenders, or connect users with lenders — and it does not provide personalized financial advice. It is a calculator: you enter the numbers, it does the math.

WHY LOANLENS
Loan offers are hard to compare. Fees hide in the fine print, interest is quoted in different ways, and the "cheap" loan often costs more. LoanLens shows the true cost of any loan in seconds — before you sign.

CALCULATE EVERYTHING
• Monthly payment (EMI / annuity) for any amount, rate and term
• Flat-rate and floating (variable) rate loans
• Full amortization schedule — principal vs interest for every payment
• Upfront fees and total cost of credit
• Refinance: is switching worth it?
• Prepayment and payoff plans: how much do you save by paying early?
• Foreclosure / settlement estimates
• Eligibility and affordability: what can you safely afford?
• Inflation-adjusted values and rate conversions

COMPARE OFFERS SIDE BY SIDE
Enter offers from different banks and compare monthly payment, total interest, total cost and payoff date in one view — in your currency.

TRACK LOANS YOU ALREADY HAVE
• Save your loans and follow the balance as you pay
• Edit loan details any time, or mark a loan as closed
• Payment reminders so you never miss a due date
• Home-screen widget (Android) showing your next payment

UNDERSTAND YOUR POSITION
• Insights: interest vs principal, progress and stress tests for rate rises
• Export any schedule or summary to PDF or CSV to share with your bank or family

PRIVATE BY DESIGN
• Works fully offline — no account needed
• Your data stays on your device; optional biometric app lock
• English and Amharic (አማርኛ)
• 150+ currencies including ETB and USD

WHO IT IS FOR
Anyone taking or repaying a loan — personal, auto, education or business — who wants clear numbers before signing. Popular with borrowers comparing bank offers in Ethiopia and beyond.

IMPORTANT
All results are estimates for planning and education only. They are not financial advice, not a loan offer, and not a credit decision. Confirm final figures with your lender before you sign anything.