Faizler: Kredi & Faiz Hesapla

Interest Rates is your most modern financial assistant, calculating the interest, tax, and cost rates of all banking products in Türkiye down to the last penny, completely ad-free and without needing an internet connection.

Get all the calculations done instantly before taking out a loan, depositing money into a term account, or paying off your credit card debt, protecting yourself from surprise costs and hidden interest.

WHY THE INTEREST RATE APP?
• COMPLETELY OFFLINE: No internet connection required. Securely performs all calculations locally on your device.
• 100% AD-FREE EXPERIENCE: Focus directly on your financial analyses without distracting ads, banners, or membership requirements. • MODERN MATERIAL 3 DESIGN: Offers a premium user experience on your Android device with dynamic color gradients, a minimalist interface, and smooth transitions. • SECURE AND PRIVATE: Does not request your personal data, requires no registration, and never exports your calculation data.

MAIN CALCULATION MODULES:

1. 💰 Personal Loan Calculator
• Instantly generate a payment plan based on the monthly interest rate offered by banks.
• Automatically calculates legal taxes such as KKDF (15%) and BSMV (10%).
• Lists the monthly installment amount, total repayment amount, and total interest burden.
• Detailed payment table showing the distribution of remaining principal, interest, and taxes month by month.

2. 🏠 Home Loan (Mortgage) Calculator
• Adjust the required down payment and maximum loan amount according to the value of the property you will purchase.
• Automatically applies legally mandated KKDF and BSMV exemptions (0% tax).
• Analyze your total cost with long-term repayment options (120 months and above).

3. 💳 Credit Card Minimum Payment & Interest Calculator
• See how many months it will take to pay off your credit card debt if you only pay the minimum amount. • Detailed analysis of accumulated contractual interest, late payment interest, and VAT charges. • Smart financial alerts to prevent your debt from escalating.

4. 🏦 Term Deposit Earnings Calculation
• Calculate your gross and net earnings based on the annual interest rate and maturity date.
• Automatically deducts current withholding tax based on the number of days.
• Shows the periodic net return rate and daily net interest amount.

5. 📊 Overdraft Account (ODA) Daily Interest Calculation
• Find out the daily debt that will be incurred when you use cash from your ODA limit.
• Calculates the annual interest rate using the legal daily interest formula.
• Lists the total closing amount, including KKDF, VAT, and principal, down to the last penny.

Calculate with "Interests" before making your financial decisions and manage your budget in the most accurate way!