完済ナビ｜借金返済シミュレーター

Are you paying off your debts every month without knowing "how many years it will take to pay it off" or "how much interest you'll end up paying"?

Completion Navi automatically calculates your expected completion date and total interest paid based on your outstanding balance, interest rate, and monthly payment. It allows you to manage multiple loans, including credit card loans, revolving credit, consumer finance, and student loans, all in one place.

■ Complete Completion Date and Total Interest at a Glance
Since your balance changes with each monthly payment, you normally have to recalculate "when you'll pay it off" and "how much interest you'll pay" every month. Completion Navi calculates all your loans together simply by registering them.

■ Early Repayment Simulation
You can try "how much faster you can pay off your debt if you pay an extra 5,000 yen each month." It instantly displays how many months earlier you'll pay off your debt and how much interest you'll reduce. This answer requires your current balance and cannot be found through search.

■ Monitoring "No Reduction in Principal" on Revolving Credit
With revolving credit, if your monthly payment is less than the interest, the principal won't decrease no matter how much you pay. The "Completion Navigator" calculates your monthly interest and clearly informs you if "the balance won't decrease at this rate."

■ Understanding Repayment Breakdown
When you record a repayment, it displays how much of that amount is interest and how much is principal, and updates the balance. You can see the balance decreasing with each repayment.

■ Checking if Interest Rates Are Too High
If the entered interest rate exceeds the upper limit of the Interest Rate Restriction Law (15-20% per year depending on the principal), it will notify you of the possibility of overpayment.

■ Repayment Date Notification
You will be notified 3 days before the repayment date. This prevents late payments due to insufficient funds (late payment penalties and damage to your credit history).

■ What It Cannot Do (Listed First)
This app cannot automatically log in to card companies or banks to read balances. You must manually enter your balance, interest rate, and repayment amount. The calculation results are estimates, and the actual billing amount may differ by several yen to several tens of yen due to each company's billing cycle, pro-rata calculations, and rounding.

■ What we do not collect
There is no account registration or login. The loan information you enter is stored only on your device and is never transmitted externally. Since this app is provided free of charge, banner ads (Google AdMob) will be displayed at the bottom of the screen. Communication with Google will occur for ad delivery. No ads will be displayed during the input process.

To work towards full repayment, let's start by knowing "when it will end."