Loanly: Loan & EMI Calculator

Free, private & offline. Know your real monthly payment, total interest and payoff - no sign-up, no accounts.

Loanly is a free, private, completely offline loan & EMI calculator. Know exactly what any loan will cost you - before you sign.

• Loan & EMI: enter amount, rate and term to see your exact monthly payment, total interest and total cost, updated live as you type.
• Mortgage: factor in down payment, property tax, insurance and HOA fees for your true monthly housing cost.
• Car loan: include trade-in, sales tax and fees to find what your auto loan really costs.
• Amortization schedule: see every payment split into principal and interest, month by month or year by year, and export to PDF or CSV.
• Extra payment & payoff: model overpayments and instantly see how much interest you save and how many months sooner you finish.
• Affordability: work out how much you can borrow from a target monthly payment.

Why Loanly:

• Works 100% offline - your numbers never leave your device.
• No sign-up, no account, no data collection.
• 50+ languages with full right-to-left support.
• Clean, fast, light & dark interface.
• Save and compare calculations.

Free, supported by ads, with a one-time option to remove them.

Loanly provides estimates for information only and is not financial advice. Always confirm figures with your lender.