Classic Loan Calculator 2
Optimize your finances, again.
$9.95
Classic Loan Calculator is now a unified macOS and iOS experience with iCloud sync. Build and compare loans in seconds: enter your principal, interest rate, and term to get a full amortization schedule with a clean, liquid-glass interface. Go deeper with side-by-side comparisons, a spare-cash optimizer to see whether investing or paying down debt saves more.
All calculations stay in sync across your devices via iCloud, with robust import/export for backups.
Highlights:
- Instant payments and full amortization schedules with interest vs. principal breakdowns.
- Loan comparison: baseline vs. selected loans, delta coloring, and CSV export.
- New Spare Cash Optimizer modes:
- Minimize total interest.
- Minimize monthly payments.
- Find the best strategy automatically.
- paydown vs. invest scenarios, break-even insights, grouped results, CSV export.
- Multi-currency with seeded rates, manual refresh, and per-loan currency selection.
- Flexible interest: fixed, manual steps, or periodic cadences (monthly/quarterly/semestral/annual).
- Partial paydowns: occasional and recurring, plus custom start dates.
- Number-format settings: grouping/decimals applied across UI and exports.
- iCloud sync between MacOS, iPhone and iPad.
- JSON import/export with security-scoped access for backups or migration.
- Fully localized UI (14+ languages) and modern liquid-glass visuals.
Ratings & Reviews
- This app hasn’t received enough ratings or reviews to display an overview.
This update makes the app more powerful for comparing loans, planning early repayments, evaluating investment alternatives, and choosing the most effective financial strategy.
What’s New in Version 2.1:
New Spare Cash Optimizer modes:
- Minimize total interest.
- Minimize monthly payments.
- Find the best strategy automatically.
New strategy comparison report, including:
- Loan paydown optimization.
- Investing the full lump sum.
- Reducing monthly payments and reinvesting the savings.
Faster optimization engine for larger multi-loan scenarios.
Better amortization timeline with clearer axis labels and currency units.
New cost breakdown visualization.
Improved CloudKit sync behavior.
The developer, Stefano Bergamini, indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer’s privacy policy .
Data Not Collected
The developer does not collect any data from this app.
Accessibility
The developer has not yet indicated which accessibility features this app supports. Learn More
Information
- Seller
- Stefano Bergamini
- Size
- 6 MB
- Category
- Finance
- Compatibility
Requires iOS 26.0 or later.
- iPhone
Requires iOS 26.0 or later. - iPad
Requires iPadOS 26.0 or later. - Mac
Requires macOS 26.0 or later. - Apple Vision
Requires visionOS 26.0 or later.
- iPhone
- Languages
English and 15 more
- English, Arabic, Dutch, French, German, Hebrew, Hindi, Italian, Japanese, Korean, Polish, Portuguese, Russian, Simplified Chinese, Spanish, Turkish
- Age Rating
4+
- 4+
- Copyright
- © 2026 Stefano Bergamini. All rights reserved.
