# Amortization - Loan Calculator — Loan & Mortgage Calculator

> Mortgage amortization calculator with rate change and prepayment impact analysis. (iPhone/iPad app by Lucas Gladding.)

- Source: https://appshunter.io/ios/app/amortization-loan-calculator/id6476736035 (this page in markdown: same URL + `.md`)
- Developer: [Lucas Gladding](https://appshunter.io/developer/288511767)
- Category: Finance, Business
- Price: Free with in-app purchases (on sale, was $1.99)
- Rating: 5.00/5 from 1 App Store ratings · 2 written reviews indexed
- Age rating: 4+
- Requires: iOS 17.2 · 7 MB
- Languages: American English
- Released: 2024-05-28
- Data updated: 2026-08-27
- Monetization: freemium
- User reviews in markdown: https://appshunter.io/ios/app/amortization-loan-calculator/id6476736035/reviews.md

## What is Amortization?

Amortization for iOS is designed to accommodate the changes that occur over the life of your mortgage. Enter rate increases and decreases and see how they impact your amortization schedule. Add prepayments and see how much you’ll save in both interest and time.

Estimate your payments
- Calculate suggested payments when creating your loan
- Choose payment frequencies from weekly to annually
- Adjust your payments or enter prepayments
- Choose custom compounding periods when estimating payments

Measure changes to your amortization schedule
- Visualize your balance over your mortgage lifetime
- Update your rate when your variable rate changes or when you renegotiate your mortgage
- Change your payment amount or frequency
- Enter prepayments as one-time or on various recurring schedules

Share your loan info
- Share loans between family members and between borrowers and lenders
- Import loans that have been shared with you
- Preview shared loans using Quick Look
- Export your amortization schedule as an XLSX document

Designed to feel at home on your iOS device
- Inspired by the various first-party apps that ship with your phone
- Supports both light and dark appearances

Amortization is subscription-based, with the free download being limited to 3 loans and 5 recurring or one-time payments. 

Thanks for your interest in Amortization, and please don't hesitate to reach out through our support form with any questions, comments, or feature requests.

## Key features

- Visualize amortization schedules
- Calculate impact of rate changes
- Add prepayments for interest savings
- Estimate loan payments
- Share loan information
- Export schedules as XLSX

## Pricing and in-app purchases

Base price: Free.

**Subscriptions**

| Subscription | Price | Period |
| --- | --- | --- |
| Annual Subscription | $1.99 | per year |


## Recent user reviews (2 of 2)

All indexed reviews: https://appshunter.io/ios/app/amortization-loan-calculator/id6476736035/reviews.md

### 5/5 — Great financial tracking tool

*2026-03-29*

Love this app for keeping track of my loans and mortgage.  Instant status update in one location so I don’t have to go looking for other infrequent financial statements or login to my accounts.  Easy and intuitive setup.  Used it the other day to quickly see the effect of putting a lump sum payment onto my mortgage and it clearly showed the amount of interest and time saved.  Highly recommended.

### 5/5 — Great Simple Loan App

*2024-11-20*

This app has a great design and is good for managing basic loans and debt.

## Frequently asked questions about Amortization

### What is the short name for Amortization - Loan Calculator?

The short name for Amortization - Loan Calculator is Amortization.

### How many loans can I manage with Amortization for free?

The free download of Amortization is limited to managing 3 loans. For more extensive use, a subscription is required.

### What are the subscription options for Amortization?

Amortization offers an Annual Subscription for $1.99 per year. This unlocks unlimited loan management and payment tracking.

### Does Amortization have ads?

No, Amortization does not contain advertisements. The app is ad-free, focusing on a clean user experience.

### On which devices can I use Amortization?

Amortization is designed for iOS devices, specifically supporting both iPhone and iPad.

### How often is Amortization updated?

The latest version of Amortization is 1.3, which was last updated on January 2, 2025. Updates are released to improve functionality and add features.

### What is the age rating for Amortization?

Amortization has an age rating of 4+, making it suitable for a wide range of users.

### Can I share my loan information with others using Amortization?

Yes, Amortization allows you to share loans between family members or borrowers and lenders. You can also import loans that have been shared with you.

## Version history (last 5 releases)

### 1.3 — 2025-01-02

This version moves Amortization to a free download and an annual subscription. For those that purchased Amortization before version 1.3, Amortization behaves the same as the annual subscription (without the time limit of course). If you purchased Amortization before version 1.3 and see the Premium Access on the main screen, please contact me.

Other updates:
- Added welcome screens
- Minor layout updates
- Updated icons and added dark and tinted versions
- Fixed issues with state where some loan updates were not shown without restart

### 1.2 — 2024-08-15

- Added iCloud sync support
- Updated create loan form
- Added custom numeric keyboard for currencies and percentages
- Added events screen for filtering and exporting balances in pre-defined date ranges
- Updated layout

### 1.1.2 — 2024-06-28

- Updated forms and help text
- Updated QuickLook preview
- Added placeholder content

### 1.1.1 — 2024-06-19

- Updated share sheet text

### 1.1 — 2024-06-09

- Added iPad support
- Fixed issue with loan progress when loans include multiple advances
- Updated layouts for graphs
- Updated casing for text
- Updated layout for comparisons when updating a loan
- Added descriptions for share options

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## More apps by Lucas Gladding

- [Ledger - Accounting](https://appshunter.io/ios/app/ledger-accounting/id288511764)
- [Ledger 3](https://appshunter.io/ios/app/ledger-3/id6762049876)

All apps by Lucas Gladding: https://appshunter.io/developer/288511767

## Related topics

[amortization calculator schedule](https://appshunter.io/ios/topics/amortization-calculator-schedule) · [mortgage amortization](https://appshunter.io/ios/topics/mortgage-amortization) · [amortization](https://appshunter.io/ios/topics/amortization)

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*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 2026-08-27.*