Tính Lãi Vay & Kế Hoạch Trả Nợ

A loan interest calculator and repayment plan in one app. Enter the amount, term, and interest rate to see your monthly payment, total interest, and total amount due. Then add your existing loans to see when you'll be debt-free.

All calculations run right on your phone: no internet, no registration, no phone number required.

FIVE CALCULATION TOOLS

1. Loan Calculator. Enter the loan amount, term, and interest rate, and the app will show you your monthly payment, interest due, and total amount. Use this to calculate interest on bank loans, consumer loans, car loans, or any other installment loan.

2. Installment Payment Level I Can Accomplish. Enter your income and current payments to see which monthly payment level fits your budget.

3. Compare Two Loans. Place two options side-by-side and see which one is cheaper in terms of total cost, not just per month.

4. Early Payment. See how much time you can shorten the repayment period and how much interest you can save by paying extra each month.

5. Debt repayment pressure. What percentage of your income is being used to repay debt and how much is left.

DEBT REPAYMENT PLAN

Add each loan you have: remaining balance, interest rate, and monthly payment. The app will show you:

• How long it will take you to pay off your debt and how much interest you still have to pay

• What changes if you pay an additional amount each month

• Two ways to prioritize payments: highest interest rate first or smallest balance first, along with the cost of each method

Loans are numbered in stages, with the repayment deadline for each loan

Use this to preview debt consolidation options, or to see how early repayment of one loan will affect the remaining balances.

The loans you enter are only saved on your phone. Nothing is sent.

EXAMPLE

Borrowing 50,000,000 VND over 24 months at an annual interest rate of 16%, with equal installments: approximately 2,448,000 VND per month, totaling approximately 58,756,000 VND. The same loan over 48 months: approximately 1,417,000 VND per month, but totaling approximately 68,017,000 VND. A longer term costs an additional 9,261,000 VND.

Change any number, and the result will be updated immediately.

IN ADDITION, IT ALSO INCLUDES:

• Unit pricing: compare two package sizes to see which is more cost-effective

• Principal and interest chart, repayment schedule with and without additional payments

FOR WHOM:

• You already have a loan agreement and want to check your monthly payments and total costs

• You are paying off multiple loans and need a clear order to pay them off

• You plan to make additional payments and want to know how much you can save

• You want to know what portion of your income is dedicated to debt repayment

WHAT THE APP DOES NOT DO

• It does not lend money or transfer funds to your account

• It does not accept applications or paperwork

• It does not display a list of lenders and does not connect you with any

• It does not look up or change your credit history

• It does not provide financial or legal advice

IMPORTANT INFORMATION:

This is a calculator app. This app is not a bank or financial company, and is not affiliated with any credit institution, credit information center, or government agency.

All figures are estimates based on the data you enter. Interest is calculated on a declining balance, with the annual interest rate divided equally over twelve months. The results do not include fees, insurance, and other charges specified by the lender. Always check the final cost in your own contract.

The app is free and displays advertisements.