Loanly: Loan & EMI Calculator
Loan, Mortgage & EMI Calc
Free · In‑App Purchases · Designed for iPad. Not verified for macOS.
New: refinance break-even analysis + a built-in Learn library of plain-English loan guides. Calculate, compare and understand any loan - free, private, 100% offline.
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.
Ratings & Reviews
- This app hasn’t received enough ratings or reviews to display an overview.
Loanly is now a complete borrowing companion - not just a calculator:
- NEW Refinance break-even analyzer: compare your current loan to a new offer and see the monthly saving, break-even point and lifetime saving.
- NEW Learn library: original plain-language guides plus a glossary of loan terms, all offline.
- Save and compare refinance scenarios alongside your other calculations.
- A fresh finance-focused look (teal & gold) with light and dark modes.
Thank you for using Loanly!
The developer, BEK Service LTD, 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 Used to Track You
The following data may be used to track you across apps and websites owned by other companies:
- Identifiers
- Usage Data
Data Linked to You
The following data may be collected and linked to your identity:
- Location
- Identifiers
- Usage Data
Data Not Linked to You
The following data may be collected but it is not linked to your identity:
- Purchases
- Diagnostics
Accessibility
The developer has not yet indicated which accessibility features this app supports. Learn More
Information
- Seller
- BEK Service LTD
- Size
- 44.8 MB
- Category
- Finance
- Compatibility
Requires iOS 16.4 or later.
- iPhone
Requires iOS 16.4 or later. - iPad
Requires iPadOS 16.4 or later. - Mac
Requires macOS 12.0 or later and a Mac with Apple M1 chip or later. - Apple Vision
Requires visionOS 1.0 or later.
- iPhone
- Languages
- English
- Age Rating
4+
- 4+
- Contains
Advertising
- In-App Purchases
Yes
- Remove Ads $1.99
- Copyright
- © 2026 BEK Service Ltd