还轻松 - 提前还贷计算器
房贷模拟·利息节省·轻松决策
About
This app helps mortgage holders make informed decisions about early repayments. It simulates the financial impact of reducing loan terms or monthly payments, allowing users to visualize interest savings and updated repayment schedules. Supports various loan types and interest rate adjustments.
What's New in 还轻松
1.1.0
August 22, 2026
本次更新： - 增加导出预览； - 增加终身买断与导出包内购；
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FAQ
How does 还轻松 help with early mortgage payments?
还轻松 simulates the financial impact of early repayments. You can compare scenarios like shortening your loan term versus reducing your monthly payments to see potential interest savings and updated repayment schedules.
Does 还轻松 support different mortgage types?
Yes, 还轻松 supports both equal principal and interest (等额本息) and equal principal (等额本金) repayment methods. It also accounts for fixed and floating interest rates, including LPR adjustments.
Can I record past repayments in 还轻松?
Yes, you can补录实际还款 (record actual repayments) and any associated违约金 (penalty fees). This updates your loan balance and subsequent repayment plan accurately.
Is 还轻松 secure and private?
还轻松 does not require account registration for core calculations, which can be done offline. Loan data is stored locally by default, and the developer does not upload loan details to their servers. The professional version offers local and optional iCloud backups.
Does 还轻松 have ads?
No, 还轻松 is ad-free. The app explicitly states that it has no advertisements or third-party behavioral analysis SDKs.
What are the limitations of the free version of 还轻松?
The description mentions that the professional version supports managing up to 3 loans and saving multiple simulation plans for comparison. This suggests the free version may have limitations on the number of loans or saved plans.
How often is 还轻松 updated?
The latest version is 1.1.0, released on 2026-08-22, with the initial release on 2026-05-02. This indicates a recent update, suggesting active development and maintenance.
What devices does 还轻松 support?
Based on the provided data, 还轻松 currently supports iPhone devices. It is available for iOS.