Loanly: Loan & EMI Calculator on App Store

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About

Loanly is a private, offline borrowing companion that takes you from "what will this cost?" to "is this the right deal - and do I understand it?". Six purpose-built calculators, side-by-side comparison, refinance break-even analysis, full amortization schedules, and an original Learn library - all working offline with no sign-up and no data collection. CALCULATE - Loan & EMI: amount, rate and term to your exact monthly payment, total interest and total cost, live as you type. - Mortgage: factor in down payment, property tax, insurance and HOA for the true monthly housing cost. - Car loan: include trade-in, sales tax and fees to find what an auto loan really costs. - Affordability: work out how much you can borrow from a target monthly payment. - Extra payment: model overpayments and see the interest saved and months shaved off. DECIDE - Refinance break-even: compare your current loan to a new offer and instantly see the monthly saving, the break-even point (how long the saving takes to repay the closing costs) and the lifetime saving. - Amortization schedule: every payment split into principal and interest, by month or year, exportable to PDF or CSV. - Save & compare: name your scenarios and compare them side by side. LEARN - A built-in library of short, plain-language guides: how amortization works, APR vs interest rate, fixed vs variable, how to pay off a loan faster, what lenders look at, should you refinance, why the deposit matters, and looking at total cost - not just the payment. - A glossary of the key terms (APR, amortization, LTV, DTI, escrow, points, break-even and more) so the numbers make sense. 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. Free, supported by ads, with a one-time option to remove them. Loanly provides estimates and general information only and is not financial, legal or tax advice. Always confirm figures with your lender before making decisions.Read more

Loanly is a private, offline borrowing companion that takes you from "what will this cost?" to "is this the right deal - and do I understand it?". Six purpose-built calculators, side-by-side comparison, refinance break-even analysis, full amortization schedules, and an original Learn library - all working offline with no sign-up and no data collection. CALCULATE - Loan & EMI: amount, rate and term to your exact monthly payment, total interest and total cost, live as you type. - Mortgage: factor in down payment, property tax, insurance and HOA for the true monthly housing cost. - Car loan: include trade-in, sales tax and fees to find what an auto loan really costs. - Affordability: work out how much you can borrow from a target monthly payment. - Extra payment: model overpayments and see the interest saved and months shaved off. DECIDE - Refinance break-even: compare your current loan to a new offer and instantly see the monthly saving, the break-even point (how long the saving takes to repay the closing costs) and the lifetime saving. - Amortization schedule: every payment split into principal and interest, by month or year, exportable to PDF or CSV. - Save & compare: name your scenarios and compare them side by side. LEARN - A built-in library of short, plain-language guides: how amortization works, APR vs interest rate, fixed vs variable, how to pay off a loan faster, what lenders look at, should you refinance, why the deposit matters, and looking at total cost - not just the payment. - A glossary of the key terms (APR, amortization, LTV, DTI, escrow, points, break-even and more) so the numbers make sense. 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. Free, supported by ads, with a one-time option to remove them. Loanly provides estimates and general information only and is not financial, legal or tax advice. Always confirm figures with your lender before making decisions.

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