Loan Wise: Pro Finance

LoanWise is your intelligent loan decision companion.

Before you borrow, understand exactly how a loan will impact your income, cash flow, and long-term financial stability. No spreadsheets. No surprises. Just clear, data-driven insights that help you move forward with confidence.

WHY LOANWISE?

Salary & Income Impact Analysis See how much of your monthly take-home goes toward repayments before you commit. Know your debt-to-income (DTI) ratio instantly — the same number banks and mortgage lenders use to approve applications.

Affordability Check Visual, instant feedback on whether a loan fits your budget. No jargon. Just a clear answer before you sign.

Full Amortisation Schedule Complete month-by-month breakdown — principal, interest and balance for every payment. Supports Reducing Balance (EMI) and Simple Interest (Flat Rate) — used by banks, SACCOs and microfinance institutions worldwide.

Loan Comparison Compare two loan offers side by side. See which saves more in total interest, monthly payment and lifetime cost. Bank vs fintech. Fixed vs variable. Two lenders — one clear winner.

Repayment Tracker Track every payment on an active loan. Mark months paid, catch overdue payments early and add private notes. Your long-term debt management companion.

Save & Share Save unlimited simulations. Share summaries via WhatsApp, email or any app.

Zero Friction No account. No data collected. Works 100% offline.

EVERY TYPE OF LOAN

Mortgage & Home Loans — first-time buyers, refinancing, mortgage amortization, HELOC

Auto & Car Finance — monthly installment, total repayment, dealer negotiation prep

Personal Loans — bank loans, buy-now-pay-later, peer-to-peer, debt consolidation

Business & SME — working capital, equipment finance, startup credit

Student Loans — repayment planning, income vs debt analysis

Cooperative & Microfinance — SACCO, chama, susu, arisan, salary advance

BUILT FOR BORROWERS EVERYWHERE

Africa Nigeria · Ghana · Kenya · South Africa · Tanzania · Uganda · Zambia · Senegal — salary advance, cooperative flat-rate, susu, chama and SACCO calculations.

Asia India (home loan EMI, two-wheeler, education) · Indonesia (KPR, KTA, cicilan bulanan, pinjaman online) · Philippines (Pag-IBIG, SSS amortization) · Thailand (สินเชื่อส่วนบุคคล สินเชื่อรถยนต์ สินเชื่อบ้าน) · Vietnam · Malaysia · Bangladesh · Pakistan

Latin America Brazil (emprestimos pessoais, credito consignado) · Mexico (prestamos personales, CAT) · Colombia · Argentina · Chile · Peru

North America, Europe & Australia USA (mortgage amortization, auto loan, DTI, personal loan, debt payoff) · Canada (mortgage, line of credit) · UK (personal loan APR, mortgage overpayment) · Australia (home loan, comparison rate) · Germany · France · UAE

QUICK TEMPLATES Car · Mortgage · Personal · Business · Education · Emergency

FULL FEATURES EMI & reducing balance calculator Flat rate / simple interest calculator Amortisation & amortization schedule Side-by-side loan comparison Repayment tracker & payment calendar DTI & affordability analysis Save simulations locally Share via WhatsApp, email & more Mortgage payoff & debt consolidation planner 100% offline · No account

Borrow With Confidence

Whether you need a personal loan calculator, mortgage repayment estimator, EMI checker, car finance planner or debt payoff tracker — LoanWise gives you the answer in seconds, in your currency, at your local rates.

Because smart borrowing is not about taking bigger loans. It is about making wiser ones.

LoanWise — Calculate. Compare. Track.