ClearPayoff: Loan Calculator

Know exactly what you'll pay — before you sign. Calculate mortgage, auto, personal and student loans instantly. Free to use.

ClearPayoff gives you instant clarity on any loan — before you sign anything.

Whether you're buying a home, financing a car, managing student debt, or comparing personal loan offers, ClearPayoff shows you the full picture: your monthly payment, total interest, true cost, and exact payoff date.

CALCULATE ANY LOAN

• Mortgage calculator with PMI awareness
• Auto loan with down payment and trade-in
• Personal loan calculator
• Student loan calculator
• Real-time results as you type

FULL AMORTIZATION SCHEDULE See every single payment broken down month by month. Know exactly how much goes to principal vs interest at every stage. Toggle between monthly and yearly view.

TRUE COST OF YOUR LOAN Banks show you the monthly payment. ClearPayoff shows you the truth — how much you're actually paying over the life of the loan and what percentage goes to interest.

PRO FEATURES — ONE-TIME PURCHASE

• Extra Payment Analyzer: See exactly how much you save by paying more each month
• Loan Comparison: Compare two loans side by side — find the best deal
• Refinance Calculator: Calculate your break-even point and real savings
• Affordability Calculator: Know how much you can borrow based on your income and DTI ratio
• Unlimited saved scenarios
• PDF export of payment schedules
• Ad-free experience

SAVE AND COMPARE Save up to 3 loan scenarios for free. Compare them side by side. Export your amortization schedule as a PDF to share with your lender, realtor, or financial advisor.

BUILT FOR THE USA

• US-standard amortization formulas
• State-specific calculations
• Supports all major loan types used by US lenders
• Results match what banks and financial professionals use

PRIVACY FIRST All calculations happen on your device. No account required. No personal data collected. Your saved loans stay on your phone.

DISCLAIMER ClearPayoff is for informational and educational purposes only. Results are estimates and do not constitute financial advice. Always consult a qualified financial advisor before making financial decisions. Actual loan terms vary by lender.

SUBSCRIPTION INFORMATION ClearPayoff Pro is available as a one-time in-app purchase of $4.99 USD. This is a non-consumable purchase — you pay once and own it forever. No subscription, no recurring charges. Payment is charged to your Apple ID account at confirmation of purchase. You can restore your purchase at any time from Settings → Restore Purchase. For support: https://dacans.github.io/clearpayoff/support.html. Privacy Policy: https://dacans.github.io/clearpayoff/privacy.html. Terms of Use: https://dacans.github.io/clearpayoff/terms.html