Loan Wise: Pro Finance
Instant loan impact analysis
Free · Designed for iPad. Not verified for macOS.
LoanWise is your intelligent loan decision companion.
Before you borrow, understand exactly how a loan will impact your income, cash flow, and long-term financial stability. No spreadsheets. No surprises. Just clear, data-driven insights that help you move forward with confidence.
WHY LOANWISE?
Salary & Income Impact Analysis
See how much of your monthly take-home goes toward repayments before you commit. Know your debt-to-income (DTI) ratio instantly — the same number banks and mortgage lenders use to approve applications.
Affordability Check
Visual, instant feedback on whether a loan fits your budget. No jargon. Just a clear answer before you sign.
Full Amortisation Schedule
Complete month-by-month breakdown — principal, interest and balance for every payment. Supports Reducing Balance (EMI) and Simple Interest (Flat Rate) — used by banks, SACCOs and microfinance institutions worldwide.
Loan Comparison
Compare two loan offers side by side. See which saves more in total interest, monthly payment and lifetime cost. Bank vs fintech. Fixed vs variable. Two lenders — one clear winner.
Repayment Tracker
Track every payment on an active loan. Mark months paid, catch overdue payments early and add private notes. Your long-term debt management companion.
Save & Share
Save unlimited simulations. Share summaries via WhatsApp, email or any app.
Zero Friction
No account. No data collected. Works 100% offline.
EVERY TYPE OF LOAN
Mortgage & Home Loans — first-time buyers, refinancing, mortgage amortization, HELOC
Auto & Car Finance — monthly installment, total repayment, dealer negotiation prep
Personal Loans — bank loans, buy-now-pay-later, peer-to-peer, debt consolidation
Business & SME — working capital, equipment finance, startup credit
Student Loans — repayment planning, income vs debt analysis
Cooperative & Microfinance — SACCO, chama, susu, arisan, salary advance
BUILT FOR BORROWERS EVERYWHERE
Africa
Nigeria · Ghana · Kenya · South Africa · Tanzania · Uganda · Zambia · Senegal — salary advance, cooperative flat-rate, susu, chama and SACCO calculations.
Asia
India (home loan EMI, two-wheeler, education) · Indonesia (KPR, KTA, cicilan bulanan, pinjaman online) · Philippines (Pag-IBIG, SSS amortization) · Thailand (สินเชื่อส่วนบุคคล สินเชื่อรถยนต์ สินเชื่อบ้าน) · Vietnam · Malaysia · Bangladesh · Pakistan
Latin America
Brazil (emprestimos pessoais, credito consignado) · Mexico (prestamos personales, CAT) · Colombia · Argentina · Chile · Peru
North America, Europe & Australia
USA (mortgage amortization, auto loan, DTI, personal loan, debt payoff) · Canada (mortgage, line of credit) · UK (personal loan APR, mortgage overpayment) · Australia (home loan, comparison rate) · Germany · France · UAE
QUICK TEMPLATES
Car · Mortgage · Personal · Business · Education · Emergency
FULL FEATURES
EMI & reducing balance calculator
Flat rate / simple interest calculator
Amortisation & amortization schedule
Side-by-side loan comparison
Repayment tracker & payment calendar
DTI & affordability analysis
Save simulations locally
Share via WhatsApp, email & more
Mortgage payoff & debt consolidation planner
100% offline · No account
Borrow With Confidence
Whether you need a personal loan calculator, mortgage repayment estimator, EMI checker, car finance planner or debt payoff tracker — LoanWise gives you the answer in seconds, in your currency, at your local rates.
Because smart borrowing is not about taking bigger loans.
It is about making wiser ones.
LoanWise — Calculate. Compare. Track.
Ratings & Reviews
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Bug fixes and enhanced user experience
The developer, Ultra Apps, 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
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
- Ultra Apps
- Size
- 21.1 MB
- Category
- Finance
- Compatibility
Requires iOS 13.0 or later.
- iPhone
Requires iOS 13.0 or later. - iPad
Requires iPadOS 13.0 or later. - iPod touch
Requires iOS 13.0 or later. - Mac
Requires macOS 11.0 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
- Copyright
- © 2026 Ultra Apps