Six calculators
Loan & EMI, mortgage with tax, insurance and HOA, car loan with trade-in, tax and fees, affordability from a target payment, and extra payment modelling — live as you type.
Live on the App Store
From “what will this cost?” to “do I understand it?”
Six purpose-built calculators, side-by-side comparison, refinance break-even analysis, full amortisation schedules and an original Learn library — all working offline with no sign-up and no data collection.
- iPhone & iPad
- Free
- 100% offline
- 50+ languages
What's inside
Calculate, decide, understand
The numbers, the comparison, and the plain-language explanation behind both.
Refinance break-even
Compare your current loan to a new offer and see the monthly saving, the break-even point, and the lifetime saving.
Full amortisation schedules
Every payment split into principal and interest, by month or by year, exportable to PDF or CSV.
Save and compare
Name your scenarios and put them side by side.
A Learn library
Short, plain-language guides — how amortisation works, APR versus interest rate, fixed versus variable, paying off a loan faster, what lenders look at — plus a glossary of APR, LTV, DTI, escrow, points and break-even.
Offline and private
Works 100% offline: your numbers never leave your device, with no sign-up, no account and no data collection.
Screenshots
See it in action
Screens from the app.
Specifications
Technical details
- Platform
- iOS 16.4 or later
- Category
- Finance · Utilities
- Calculators
- Loan & EMI, mortgage, car loan, affordability, extra payment, refinance
- Analysis
- Break-even point, monthly and lifetime saving
- Schedules
- Full amortisation by month or year
- Export
- PDF and CSV
- Languages
- 50+, with full right-to-left support
- Themes
- Light and dark
- Data collection
- None — works fully offline
- Price
- Free, ad-supported, with a one-time option to remove ads
FAQ
Frequently asked questions
What can Loanly calculate?
Loan and EMI payments, a mortgage including down payment, property tax, insurance and HOA, a car loan including trade-in, sales tax and fees, affordability from a target monthly payment, and the effect of extra payments.
What is refinance break-even?
It compares your current loan to a new offer and shows the monthly saving, how long that saving takes to repay the closing costs, and the lifetime saving.
Can I export an amortisation schedule?
Yes. Every payment is split into principal and interest, by month or by year, and can be exported to PDF or CSV.
Is my financial data sent anywhere?
No. Loanly works 100% offline. Your numbers never leave your device, and there is no sign-up, no account and no data collection.
Is this financial advice?
No. Loanly provides estimates and general information only, and is not financial, legal or tax advice. Always confirm figures with your lender before making decisions.
Pricing
Free, ad-supported · one-time removal
Free and supported by ads, with a one-time option to remove them.
Free
- All six calculators
- Refinance break-even and amortisation schedules
- Save and compare scenarios
- The full Learn library and glossary
One-time purchase
- Removes ads
Download Loanly
Free to download. No account needed.