AW33

Plan your loan with clarity. AW33 is a personal finance calculator that helps you estimate monthly payments, review total overpayment, and organize due dates with a payment calendar and journal. All data is stored locally on your device.

📊 HOME DASHBOARD

Open AW33 and see your finance overview at a glance. The home screen shows your saved loan amount, the date of your next scheduled payment, and the next payment amount. When a loan is saved, AW33 displays scheme details (Annuity or Classic), term length, interest rate, and a progress bar showing paid installments versus the full schedule.

Quick action cards take you to New Calculation, Payment Calendar, or Payment Journal.

🧮 LOAN CALCULATOR

The AW33 loan calculator accepts essential parameters:

• Loan amount in dollars • Annual interest rate as a percentage • Loan term in months or years (switch with one tap) • Payment scheme: Annuity (equal monthly payments) or Classic (differentiated payments with equal principal portions and decreasing total over time) • First payment date picker

Tap Calculate and AW33 builds a full amortization schedule. Results show monthly payment (or first-to-last range for Classic), total overpayment (total interest), total repayment, and overpayment ratio as a percentage of the principal.

Review the loan summary, save the loan to activate calendar and journal features, or open the detailed payment schedule.

📋 PAYMENT SCHEDULE

Each calculation includes a complete payment schedule table with payment number, due date, principal, interest, total payment, and remaining balance per row.

Installments marked paid in the calendar are highlighted in the schedule. Long schedules use pages of fifty rows with Previous and Next navigation.

📅 PAYMENT CALENDAR

The Payment Calendar maps due dates from your saved loan onto a monthly grid. Navigate months with arrow controls. Payment days show a colored dot; today is outlined; paid dates use a separate color.

Tap a payment day for amount due, principal and interest breakdown, and remaining balance. Mark Paid or Unpaid with one button. AW33 updates the dashboard and journal immediately.

The calendar shows scheduled dates on screen only. AW33 does not send push alerts.

📓 PAYMENT JOURNAL

Statistics include total amount marked paid, interest on paid installments, counts of paid, overdue, and upcoming installments, plus loan completion percentage with a progress bar.

A chart shows paid principal versus remaining balance. Payment History lists all paid and overdue entries, plus upcoming payments, each with number, date, amount, and status.

💾 LOCAL STORAGE

AW33 keeps one active saved loan and your payment marks on your device. No account is required. Data stays on your phone when you reopen the app.

🎨 INTERFACE

Dark theme, bottom navigation (Home, Calculate, Calendar, Journal), large touch targets, and clear number formatting for everyday loan review on your phone.

✅ WHO IS AW33 FOR?

• Comparing Annuity versus Classic repayment schemes • A visual calendar linked to your loan schedule • Tracking paid, overdue, and upcoming installments • A straightforward loan payment calculator

⚠️ IMPORTANT

AW33 is an informational calculator only. Results are estimates from values you enter. The app does not provide loans, banking services, or professional financial guidance. Confirm figures with your lender before decisions.