# Classic Loan Calculator 2 — Optimize your finances, again.

> Optimize your finances, again. (iPhone/iPad app by Stefano Bergamini.)

- Source: https://appshunter.io/ios/app/classic-loan-calculator-2/id6753267585 (this page in markdown: same URL + `.md`)
- Developer: [Stefano Bergamini](https://appshunter.io/developer/1800962909)
- Category: Finance, Utilities
- Price: Free (on sale, was $9.95)
- Age rating: 4+
- Requires: iOS 26.0 · 6 MB
- Languages: Arabic, Dutch, English, French, German, Hebrew, Hindi, Italian, Japanese, Korean and 6 more
- Released: 2025-12-15
- Data updated: 2026-07-02
- User reviews in markdown: https://appshunter.io/ios/app/classic-loan-calculator-2/id6753267585/reviews.md

## What is Classic Loan Calculator 2?

Classic Loan Calculator is now a unified macOS and iOS experience with iCloud sync. Build and compare loans in seconds: enter your principal, interest rate, and term to get a full amortization schedule with a clean, liquid-glass interface. Go deeper with side-by-side comparisons, a spare-cash optimizer to see whether investing or paying down debt saves more. 

All calculations stay in sync across your devices via iCloud, with robust import/export for backups.

Highlights:

  - Instant payments and full amortization schedules with interest vs. principal breakdowns.
  - Loan comparison: baseline vs. selected loans, delta coloring, and CSV export.
  - New Spare Cash Optimizer modes:
     - Minimize total interest.
     - Minimize monthly payments.
     - Find the best strategy automatically.
     - paydown vs. invest scenarios, break-even insights, grouped results, CSV export.
  - Multi-currency with seeded rates, manual refresh, and per-loan currency selection.
  - Flexible interest: fixed, manual steps, or periodic cadences (monthly/quarterly/semestral/annual).
  - Partial paydowns: occasional and recurring, plus custom start dates.
  - Number-format settings: grouping/decimals applied across UI and exports.
  - iCloud sync between MacOS, iPhone and iPad.
  - JSON import/export with security-scoped access for backups or migration.
  - Fully localized UI (14+ languages) and modern liquid-glass visuals.


## Version history (last 2 releases)

### 2.2 — 2026-05-22

This update makes the app more powerful for comparing loans, planning early repayments, evaluating investment alternatives, and choosing the most effective financial strategy.

What’s New in Version 2.1:

New Spare Cash Optimizer modes:
- Minimize total interest.
- Minimize monthly payments.
- Find the best strategy automatically.

New strategy comparison report, including:
- Loan paydown optimization.
- Investing the full lump sum.
- Reducing monthly payments and reinvesting the savings.

Faster optimization engine for larger multi-loan scenarios.
Better amortization timeline with clearer axis labels and currency units.
New cost breakdown visualization.
Improved CloudKit sync behavior.

### 2.0 — 2025-12-15

No release notes.

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## More apps by Stefano Bergamini

- [Scroll the Volume](https://appshunter.io/ios/app/scroll-the-volume/id6743161021)
- [Word Archive](https://appshunter.io/ios/app/word-archive/id6743173419)
- [Classic Loan Calculator Mobile](https://appshunter.io/ios/app/classic-loan-calculator-mobile/id6744656998)
- [WhatsKeepr2](https://appshunter.io/ios/app/whatskeepr2/id6747646112)
- [36 Questions to Love](https://appshunter.io/ios/app/36-questions-to-love/id6747851726)
- [Car Monthly Costs](https://appshunter.io/ios/app/car-monthly-costs/id6749222186)

All apps by Stefano Bergamini: https://appshunter.io/developer/1800962909

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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 2026-07-02.*