LoanCalc - Mortgage & Loan

LoanCalc is a fast, private loan and mortgage calculator. Model any loan and instantly see what you'll really pay — the full repayment schedule, monthly payment, total interest, and the fee-inclusive effective APR.

A planning tool, not a lender: LoanCalc never lends money, never collects payments, and asks for no account. Everything is calculated on your device.

FEATURES • Repayment schedule — equal payment (annuity) or equal principal, period by period • True cost — add origination/processing fees and see the effective APR (computed via IRR) • Tiered rates — model "discounted for the first years, standard after" with multiple rate tiers • Prepayments — add a lump sum and choose to shorten the term or lower the payment • Grace period — interest-only months, common in early mortgage years • Charts — line, bar, and stacked views of principal vs. interest over time • Multiple currencies — TWD, USD, JPY, with correct minimum units and rounding • Save several loans and compare them side by side • Tap any period to edit its rate or add a prepayment and see the impact live • Dark mode, fully offline, free

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 official terms.