# 还轻松 - 提前还贷计算器 — 房贷模拟·利息节省·轻松决策

> Mortgage early repayment simulator for interest savings and loan decision clarity. (iPhone/iPad app by 博 吴.)

- Source: https://appshunter.io/ios/app/id6763904837 (this page in markdown: same URL + `.md`)
- Developer: [博 吴](https://appshunter.io/developer/1815854119)
- Category: Finance, Productivity
- Price: Free
- Rating: 5.00/5 from 1 App Store ratings
- Age rating: 4+
- Requires: iOS 16.6 · 11 MB
- Languages: Chinese (Simplified, China)
- Released: 2026-05-02
- Data updated: 2026-09-30
- Monetization: freemium
- User reviews in markdown: https://appshunter.io/ios/app/id6763904837/reviews.md

## What is 还轻松?

【还轻松，让房贷决策更清晰】

想提前还一笔款，却不知道能省多少利息？银行测算不方便，网上计算器又太简陋？还轻松专为有提前还款需求的房贷用户设计，帮你快速看清每一次还款决策的大致价值。

【核心功能】

· 提前还款模拟 — 输入金额与日期，对比「缩短还款期限」与「减少月供」的节省利息、新月供与剩余期数。

· 等额本息 / 等额本金 — 按你的还款方式生成完整还款计划。

· 固定与浮动利率 — 随时记录 LPR 或银行利率调整，自动重算后续月供与利息。

· 补录实际还款 — 记录已发生的提前还款与违约金，更新余额与后续计划。

· 逐期还款计划 — 展示每期本金、利息与剩余本金，标注利率变动与提前还款节点。

· 多笔贷款与方案 — 专业版最多管理 3 笔贷款，并可保存多套模拟方案便于对比。

【数据与隐私】

· 无需注册账号，核心计算可离线完成。
· 贷款数据默认仅保存在本机；开发者不将贷款明细上传至自有服务器。
· 专业版支持本地备份与可选的 iCloud 备份（由你主动上传/下载）。
· 无广告、无第三方行为分析 SDK。

使用条款（EULA）：http://lf.joivis.com/agreement.html
隐私政策：http://lf.joivis.com/privacy.html

## Key features

- Early repayment simulation
- Interest savings calculation
- Adjustable repayment plans
- Fixed and floating interest rates
- Record actual repayments
- Detailed repayment schedules
- Manage multiple loans


## Frequently asked questions about 还轻松

### 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.

## Version history (last 5 releases)

### 1.1.0 — 2026-08-22

本次更新：
- 增加导出预览；
- 增加终身买断与导出包内购；

### 1.0.5 — 2026-06-02

本次更新：
- 修复已知问题

### 1.0.4 — 2026-05-07

本次更新：
1. 完善还款计划显示信息；
2. 完善补录实际提前还款信息；
3. 修复已知问题。

### 1.0.3 — 2026-05-06

本次更新内容：
- 支持等额本金还款方式，还款测算更全面
- 新增好友分享及版本自动更新功能
- 修复已知 bug，提升 APP 稳定性与流畅度

### 1.0.2 — 2026-05-05

本次更新：
- 修复一些问题

## More apps by 博 吴

- [算算熊 Pro - 口算听算练习伙伴](https://appshunter.io/ios/app/pro/id6746227550)
- [BMI Mate+](https://appshunter.io/ios/app/bmi-mate-plus/id6746374924)
- [停哪儿去 - 免费停车指南](https://appshunter.io/ios/app/id6747368863)
- [Batch Compress - Photo & Video](https://appshunter.io/ios/app/batch-compress-photo-and-video/id6761804531)
- [SplitSimple](https://appshunter.io/ios/app/splitsimple/id6762037539)

All apps by 博 吴: https://appshunter.io/developer/1815854119

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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 2026-09-30.*