Loan Repay Calc Visual

Repayment Calculator helps you turn complex loan contracts into reconcilable repayment schedules and calculates annualized results closer to your true borrowing cost (IRR / Effective APR), so you can clearly see the principal, interest, and total cost behind each monthly payment. It is both a repayment calculator and a loan calculator, and it also supports home-related life decision comparisons. Use cases: mortgages, auto loans, consumer/personal credit loans, National Student Loans, credit card installments, and life decision scenarios such as Home Affordability, Buy or Rent a Home, and Buy or Rent a Parking Space. Key Features: • Free, ad-free, and works offline • Multiple loan and repayment templates • Mortgage: commercial loan, housing provident fund loan, and combo loan • First-home mortgage subsidy estimates: for eligible new commercial-only home purchase loans in mainland China. View total subsidy, interest paid after subsidy, and subsidies reduced by prepayment. Estimates are calculated monthly; eligibility and settlement are subject to the bank. • Mortgage term extension: compare monthly payments, future interest, total repayment, and payoff dates, including the commercial portion of combo loans • Auto loan: equal principal & interest, balloon/final payment support, additional fees, and more • Consumer / Personal credit loans • National Student Loan • Credit Card (installment / lite revolving) • Life decisions: Home Affordability, Buy or Rent a Home, Buy or Rent a Parking Space • Multiple repayment methods: equal principal & interest, equal principal, equal principal + equal interest, and short-term repayment options • Mortgage amount can be quickly estimated using Area + Unit Price • Supports automatic LPR default updates with offline fallback • Real annualized cost (IRR): includes fees, net disbursed amount, and other cost factors • Repayment details and charts: clear breakdown of principal / interest / remaining balance for each period, plus prepayment value analysis • Prepayment scenarios: full prepayment and partial prepayment (shorten term or reduce monthly payment), with penalty and rule settings, and support for repeated partial prepayments over time • Repayment period to calendar-time mapping: view schedules, charts, and details by actual year and month • One-tap sharing: share cards + CSV export • Privacy-first: plans are stored locally by default, with optional sync to your personal iCloud; anonymous analytics can be turned off Disclaimer: This app provides loan/repayment estimation, life decision comparisons, and informational display only. It does not constitute financial, investment, legal, tax, or home-buying advice. Actual contract terms, bank practices, policy requirements, and market conditions may vary. Please refer to your actual contract, official policies, and professional advice when needed. Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula