LoanCalc - Mortgage & Loan
Mortgage & loan calculator
Free · Designed for iPad. Not verified for macOS.
LoanCalc is a fast, private loan and mortgage calculator. Model any loan and instantly see what you'll really pay — the full repayment schedule, monthly payment, total interest, and the fee-inclusive effective APR.
A planning tool, not a lender: LoanCalc never lends money, never collects payments, and asks for no account. Everything is calculated on your device.
FEATURES
• Repayment schedule — equal payment (annuity) or equal principal, period by period
• True cost — add origination/processing fees and see the effective APR (computed via IRR)
• Tiered rates — model "discounted for the first years, standard after" with multiple rate tiers
• Prepayments — add a lump sum and choose to shorten the term or lower the payment
• Grace period — interest-only months, common in early mortgage years
• Charts — line, bar, and stacked views of principal vs. interest over time
• Multiple currencies — TWD, USD, JPY, with correct minimum units and rounding
• Save several loans and compare them side by side
• Tap any period to edit its rate or add a prepayment and see the impact live
• Dark mode, fully offline, free
Whether it's a mortgage, car loan, or personal loan, LoanCalc helps you understand the numbers before you sign.
Figures are estimates for planning only and may differ from your lender's official terms.
Ratings & Reviews
- This app hasn’t received enough ratings or reviews to display an overview.
Feature update (1.1.0):
• New Affordability tab — enter a monthly budget and solve for how much you can borrow, or how long repayment takes
• Japanese variable-rate review modes: 5-year rule and 125% cap, with unpaid-interest handling and export support
• Export the schedule as CSV or PDF, or share a summary image
• 7 new currencies: CNY, HKD, KRW, EUR, GBP, AUD, SGD
• Optional loan start date — already-paid months are dimmed, loan cards show the due day and remaining balance, and CSV/PDF exports gain a due-date column
• Type prepayment amounts directly — no more slider
• Japanese (日本語) app language
• Assorted layout and calculation fixes
Thanks for using LoanCalc — feedback is welcome.
The developer, po hsun lin, 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 Linked to You
The following data may be collected but it is not linked to your identity:
- Identifiers
Accessibility
The developer has not yet indicated which accessibility features this app supports. Learn More
Information
- Seller
- po hsun lin
- Size
- 4.2 MB
- Category
- Finance
- Compatibility
Requires iOS 16.0 or later.
- iPhone
Requires iOS 16.0 or later. - iPad
Requires iPadOS 16.0 or later. - Mac
Requires macOS 13.0 or later and a Mac with Apple M1 chip or later. - Apple Vision
Requires visionOS 1.0 or later.
- iPhone
- Languages
English and 2 more
- English, Japanese, Traditional Chinese
- Age Rating
4+
- 4+
- Contains
Advertising
- Copyright
- © 2026 Disconnect Lab