Loan Wise

LoanWise is your intelligent loan decision companion.

Before you borrow, understand exactly how a loan will impact your income, cash flow, and long-term financial stability. No spreadsheets. No surprises. Just clear, data-driven insights that help you move forward with confidence.




💡 Salary & Income Impact Analysis
See how much of your monthly take-home goes toward repayments before you commit. Know your debt-to-income (DTI) ratio instantly — the same number banks and mortgage lenders use to approve applications.

📊 Affordability Check
Visual, instant feedback on whether a loan fits your budget. No jargon. Just a clear answer before you sign.

🧮 Full Amortisation Schedule
Complete month-by-month breakdown — principal, interest and balance for every payment. Supports Reducing Balance (EMI) and Simple Interest (Flat Rate) — used by banks, SACCOs and microfinance institutions worldwide.

⚖️ Loan Comparison
Compare two loan offers side by side. See which saves more in total interest, monthly payment and lifetime cost. Bank vs fintech. Fixed vs variable. Two lenders — one clear winner.

📅 Repayment Tracker
Track every payment on an active loan. Mark months paid, catch overdue payments early and add private notes. Your long-term debt management companion.

💾 Save & Share
Save unlimited simulations. Share summaries via WhatsApp, email or any app.

⚡ Zero Friction
No account. No data collected. Works 100% offline.

EVERY TYPE OF LOAN

🏠 Mortgage & Home Loans — first-time buyers, refinancing, mortgage amortization, HELOC

🚗 Auto & Car Finance — monthly installment, total repayment, dealer negotiation prep

👤 Personal Loans — bank loans, buy-now-pay-later, peer-to-peer, debt consolidation

💼 Business & SME — working capital, equipment finance, startup credit

🎓 Student Loans — repayment planning, income vs debt analysis

🏦 Cooperative & Microfinance — SACCO, chama, susu, arisan, salary advance


BUILT FOR BORROWERS EVERYWHERE

🌍 Africa
Nigeria · Ghana · Kenya · South Africa · Tanzania · Uganda · Zambia · Senegal — salary advance, cooperative flat-rate, susu, chama and SACCO calculations.

🌏 Asia
India (home loan EMI, two-wheeler, education) · Indonesia (KPR, KTA, cicilan bulanan, pinjaman online) · Philippines (Pag-IBIG, SSS amortization) · Thailand (สินเชื่อส่วนบุคคล สินเชื่อรถยนต์ สินเชื่อบ้าน) · Vietnam · Malaysia · Bangladesh · Pakistan

🌎 Latin America
Brazil (emprestimos pessoais, credito consignado) · Mexico (prestamos personales, CAT) · Colombia · Argentina · Chile · Peru

🌐 North America, Europe & Australia
USA (mortgage amortization, auto loan, DTI, personal loan, debt payoff) · Canada (mortgage, line of credit) · UK (personal loan APR, mortgage overpayment) · Australia (home loan, comparison rate) · Germany · France · UAE


QUICK TEMPLATES
🚗 Car · 🏠 Mortgage · 👤 Personal · 💼 Business · 🎓 Education · ⚡ Emergency

FULL FEATURES
✓ EMI & reducing balance calculator
✓ Flat rate / simple interest calculator
✓ Amortisation & amortization schedule
✓ Side-by-side loan comparison
✓ Repayment tracker & payment calendar
✓ DTI & affordability analysis
✓ Save simulations locally
✓ Share via WhatsApp, email & more
✓ Mortgage payoff & debt consolidation planner
✓ 100% offline · No account


Borrow With Confidence

Whether you need a personal loan calculator, mortgage repayment estimator, EMI checker, car finance planner or debt payoff tracker — LoanWise gives you the answer in seconds, in your currency, at your local rates.

Because smart borrowing is not about taking bigger loans.
It is about making wiser ones.

LoanWise — Calculate. Compare. Track.