# Altero — Optimize loan payments

> Optimize loan payments (iPhone/iPad app by Farkhat Kassimov.)

- Source: https://appshunter.io/ios/app/altero/id6752285063 (this page in markdown: same URL + `.md`)
- Developer: [Farkhat Kassimov](https://appshunter.io/developer/1817556308)
- Category: Finance, Lifestyle
- Price: Free with in-app purchases
- Age rating: 4+
- Requires: iOS 18.5 · 7 MB
- Languages: English, Russian
- Released: 2025-10-13
- Data updated: 2026-10-02
- User reviews in markdown: https://appshunter.io/ios/app/altero/id6752285063/reviews.md

## What is Altero?

Altero helps you cut your monthly payment with a clear, realistic plan.

Bring all loans into one place, test refinancing, and lock a strategy you can actually follow - while all calculations run on your device.

What you can do with Altero:
• Unify your loans in one dashboard (balance, rate, term, due dates, current payment).
• Optimize payments to lower the monthly burden or speed up payoff - see the new payment and per-loan allocations.
• Test refinancing scenarios (amount, rate, term) before you talk to a bank.
• Generate a printable PDF report with your new monthly payment, allocations by loan, schedule highlights, and warnings - share via the iOS share sheet or bring it to your bank.
• Stay safe with warnings: minimum-payment checks, threshold alerts, and sanity validations before you commit.
• Set payment caps & discipline rules so the plan fits your budget and you can stick with it.
• Track progress with clear timelines and payoff dynamics as you go.
• Keep your data private: no account, no cloud sync—calculations are performed on-device.

Why it works
Altero focuses on one thing: a plan you can follow. You get concrete numbers (new monthly payment, per-loan allocations, dates), guardrails that prevent mistakes, and simple tools to test “what-ifs” until the plan fits your life.

Privacy & pricing
No sign-in. No data leaves your phone.
Pay only when you run full optimizations - transparent, pay-per-use credits.

Altero is a planning tool and does not provide financial advice. Always consider your personal circumstances and consult a qualified advisor if needed.

## Pricing and in-app purchases

Base price: Free.

**One-time purchases**

| Purchase | Price | Type |
| --- | --- | --- |
| 1 Credit | $0.99 | one-time |
| 5 Credits | $2.99 | one-time |
| 3 Credits | $1.99 | one-time |



## Version history (last 3 releases)

### 1.2 — 2026-06-11

This update significantly improves loan and payment schedule management:
• Import payment schedules from PDF files
• Manually edit individual payments
• Import multiple loans using a CSV file
• Improved outstanding balance calculations and custom schedule handling
• Improved optimization and in-app purchase reliability
• Reworked the app’s internal architecture to improve stability, performance, and calculation reliability
• Bug fixes and performance improvements

### 1.1 — 2025-10-28

Improved stability

### 1.0 — 2025-10-13

No release notes.

## Apps similar to Altero

| App | Rating | Price | Category |
| --- | --- | --- | --- |
| [Money Express](https://appshunter.io/ios/app/money-express/id6762123292) | — | Free | Finance |
| [SubTally: Bill & Budget Watch](https://appshunter.io/ios/app/subtally-bill-and-budget-watch/id6754898060) | — | Free | Finance |
| [Moneo \| My Finance](https://appshunter.io/ios/app/moneo-my-finance/id6756722258) | — | Free | Finance |
| [Debt Payoff Tracker - Zero](https://appshunter.io/ios/app/debt-payoff-tracker-zero/id6760733303) | — | Free | Finance |
| [Svobodno: Budget Planner](https://appshunter.io/ios/app/svobodno-budget-planner/id6807784085) | — | Free | Finance |
| [NVB Trading](https://appshunter.io/ios/app/nvb-trading/id6489721866) | — | Free | Finance |

## More apps by Farkhat Kassimov

- [Densa](https://appshunter.io/ios/app/densa/id6748309828)

All apps by Farkhat Kassimov: https://appshunter.io/developer/1817556308

---

*Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-10-02.*