Simulation Crédit Maroc

How much will you actually repay? Enter the amount, term, and interest rate, and the app will display the monthly payment, the cost of credit, and the total amount due. Then add any loans you're already paying off to see when you'll finish the last one.

Everything is calculated on your phone: no internet connection, no account, and no phone number required.

WHAT YOU CAN CALCULATE

1. Loan Simulation. Amount, term, and annual interest rate provide the monthly payment, the cost of credit, and the total. Suitable for personal loans, car loans, or any loan with fixed monthly payments.

2. What Monthly Payment Can I Afford? Based on your income and current monthly payments, you can see the monthly payment that still fits within your budget.

3. Compare Two Loans. Two sets of terms side-by-side, assessed on the total cost, not just the monthly payment.

4. Early Repayment. How many months you save and how much interest you avoid by paying an extra amount each month.

5. Debt-to-income ratio. What percentage of your income goes toward monthly payments, and what's left over?

REPAYMENT PLAN

Enter each outstanding loan: the remaining principal, the interest rate, and the monthly payment. The app creates a plan:

• how long it will take to be debt-free and the remaining interest you owe
• what changes if you add an amount each month
• two repayment options—higher interest rate first, or lower balance first—with the cost of each
• your loans in numbered stages, with the time needed to pay off each one

Useful for choosing which loan to pay off first, or for checking if debt consolidation would be cheaper.

What you enter stays on your phone. Nothing is sent.

A NUMERICAL EXAMPLE

50,000 DH over 36 months at 9 percent per annum: a monthly payment of approximately 1,590 DH and a total of approximately 57,240 DH. Over 72 months, the monthly payment drops to approximately 900 DH, but the total rises to approximately 64,890 DH. The longer term costs approximately 7,650 DH more.

Change a figure and the result is recalculated immediately.

ALSO IN THE APP

• Unit price: Compare two packages and see which is the better deal
• Principal and interest graphs, and a payment schedule with or without additional installments

WHAT THE APP DOES NOT DO

• It does not grant credit or disburse any money
• It does not receive applications or documents
• It does not display a list of banks or finance companies and does not connect you with any
• It does not access or modify your credit file
• It does not provide financial or legal advice

IMPORTANT INFORMATION

This app is a simulator. It is neither a bank nor a finance company and has no connection with any credit institution, credit bureau, or public body.

All results are estimates based on the entered figures. Interest is calculated on the outstanding principal, with the annual rate spread over twelve months. Application fees, insurance, and VAT on interest are not included: the APR of your contract will therefore be higher. Always check the final cost in your own contract.

The app is free and ad-free.