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.
Offline loan tools for Android and iOS
From 'what will this cost?' to 'do I understand it?' before you decide.
Six purpose-built calculators, side-by-side comparison, refinance break-even analysis, full amortisation schedules and an original Learn library. The calculators work offline, with no sign-up and no account.
Calculate, decide, understand
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
The calculators work offline and the figures you enter stay on your device. No sign-up and no account.
From calculation to comparison
See it in action
Review every payment
See principal and interest by month or year in a full amortization schedule, then export it as a PDF or CSV.
Save and compare scenarios
Name different loan scenarios and place them side by side to compare payments, interest and total cost.
Learn without an account
Read plain-language guides and a glossary offline. Loanly supports many languages, right-to-left layouts, light and dark modes. It is free with non-personalised ads, with a one-time purchase to remove them. Estimates are not financial, legal or tax advice.