LoanCalc - Mortgage & Loan

LoanCalc is a private loan and mortgage calculator. Enter any loan and see what you will really pay: the full repayment schedule, every payment, total interest and the fee-inclusive APR. A planning tool, not a lender: LoanCalc never lends money, never collects payments and asks for no account. Every calculation runs on your device. WORKS FOR EVERY KIND OF LOAN • Mortgages: grace periods, rate tiers (a promotional rate, then the standard one), extra payments • Car and auto loans: see what a "0%" or low-rate offer really costs once the fees go into the APR • Personal loans and credit lines: compare the monthly payment against the fee-inclusive APR • Student loans: plan the repayment years that follow the grace period after graduation • Business and equipment loans: equal-payment or equal-principal schedules • Refinancing: save the current loan and the new offer side by side, and compare the total cost INTEREST-ONLY FROM ANY PERIOD Tap any period and choose "Interest-only from here". For that stretch you pay interest only and the principal stays put. The loan keeps its original end date, so afterwards the payment is recomputed over the remaining periods, and the app shows that new payment before you apply it. Add as many stretches as you need; stretches that touch or overlap are merged, and you see the combined range first. If a stretch runs up to the end of the loan, the app warns that the last payment repays the remaining principal in one go. FEATURES • Interest-only periods: at the start of the loan (type the length or tap 1, 2, 3 or 5 years) or from any later period • Extra payments: add a lump sum and choose to shorten the term or lower the payment, then see how much sooner you finish • True APR: add origination and processing fees; the fee-inclusive APR is computed via IRR • Rate changes: set a new rate from any period, or model tiers such as "discounted for the first years, then standard" • Repayment schedule: equal payment (annuity) or equal principal, period by period • Affordability: from a monthly budget, solve how much you can borrow or how long payoff takes • Start date: paid periods are dimmed, and each loan card shows the next due date and remaining balance • Charts: line, bar and stacked views of principal vs. interest, with interest-only periods shaded • Export: CSV or PDF (with due dates and interest-only periods), or share a summary image • 10 currencies: USD, EUR, GBP, AUD, SGD, JPY, TWD, HKD, CNY and KRW, with correct minor units and rounding • Japanese variable-rate rules: optional 5-year rule and 125% cap, with unpaid interest tracked • Save several loans, dark mode, English, Traditional Chinese and Japanese Whether it's a mortgage, car loan or personal loan, LoanCalc helps you understand the numbers before you sign. Figures are estimates for planning only and may differ from your lender's terms. Whether a lender allows interest-only periods, and on what terms, varies.