Кредит: Вноска и Лихва

How much will the loan actually cost you? Enter the amount, term and interest and the app shows the monthly payment, interest expense and total repayment amount. Then add the loans you are already paying off and see when you will finish with the last one.

Everything is calculated on your phone: without internet, without registration and without a phone number.

WHAT YOU CAN CALCULATE

1. Loan payment. Amount, term and interest at the entrance, monthly payment, interest and total amount at the exit. Suitable for consumer credit, car loan or any loan with equal installments.
2. What installment can I pay. Based on your income and current installments, it shows what monthly installment still fits into the budget.
3. Comparison of two loans. Two sets of terms side by side, evaluated by the total cost, not just the installment.
4. Early repayment. How many months does the term shorten and how much interest do you save if you pay more each month.
5. Debt burden. How much of your income goes to installments and how much is left.

REPAYMENT PLAN

Write down each loan you have now: the balance, interest, and monthly installment. The app sorts out the plan:

• how long it will take you to be debt-free and how much interest you still have to pay
• what changes if you add an additional amount each month
• two repayment lines — highest interest first or lowest balance first — with the cost of each
• your loans as numbered steps, with the repayment period for each

It is useful when deciding which loan to repay first or checking whether combining several installments into one is cheaper.

The entered data is only stored on the phone. It is not sent anywhere.

EXAMPLE

€5,000 for 24 months at 12 percent interest per year: installment of around €235, total of around €5,649. Same amount for 60 months: installment drops to around €111, but total of around €6,673. Longer term costs around €1,025 more.

Change any number and the result is recalculated immediately.

MORE IN THE APP

• Price per unit: compare two packages and see which one is more advantageous
• Principal and interest schedules, repayment plan with and without additional installments

WHO IS IT FOR

• You already have loan terms and want to check the installment and total amount yourself
• You are paying off several loans and are looking for a clear order in which to complete them
• ​​You are considering paying more and want to see the savings
• You want to know how much of your income is already going to debts

WHAT THE APP DOES NOT DO

• It does not grant loans or transfer money to an account
• It does not accept requests and documents
• It does not display lists of banks and credit companies and does not connect you to them
• ​​It does not check or change your data in the Central Credit Register
• It does not provide financial or legal advice

IMPORTANT INFORMATION

This application is a calculator. It is not a bank or credit institution and is not affiliated with any lender, credit register or government authority.

All results are estimates based on the data you enter. Interest is calculated on the balance, and the annual percentage rate is divided by twelve months. Fees, insurance and penalties are not included, so the APR in your contract will be higher. Always check the final price in your own contract.

The application is free and without ads.