# iLoan Calc (Loan calculator)

> Loan simulator for mortgages, car loans, and more with detailed amortization schedules. (iPhone/iPad app by Natsu.)

- Source: https://appshunter.io/ios/app/iloan-calc-loan-calculator/id329174056 (this page in markdown: same URL + `.md`)
- Developer: [Natsu](https://appshunter.io/developer/329174059)
- Category: Finance
- Price: $3.99
- Rating: 5.00/5 from 1 App Store ratings · 25 written reviews indexed
- Age rating: 4+
- Requires: iOS 18.0 · 2 MB
- Languages: American English, French (France), Japanese
- Released: 2009-09-04
- Data updated: 2026-09-07
- Monetization: paid
- User reviews in markdown: https://appshunter.io/ios/app/iloan-calc-loan-calculator/id329174056/reviews.md

## What is iLoan Calc (Loan calculator)?

iLoan Calc is a loan simulator application where you can setup your own details.
You can calculate not only your mortgage but also your car loan or other loans.

[Simple user interface]

It's very simple to use. You can see your loan to be setting up 4 basic entries: Total loan amount, Interest rate, Term and Payment method.

[Detail settings]

Detail can be added as needed. For example, bonus payment, accelerated repayment and so on.

[Loan simulation]

iLoan Calc calculate your loan exactly. If both the repayment start date and the borrowing date are set, daily interest is calculated.

[Comparison]

You can compare between loans with different settings. Moreover, the comparison with/without accelerated repayment is also available. This allows you to check the effect of accelerated repayment easily.

[Main features]
- Calculation of each amount:
    - monthly payment
    - bonus payment
    - yearly payment
    - total payment
    - total interest
    - percentage of interest allocation, etc.
- Show the amortization schedule, export as a CSV file.
- Show graphs (historical graph, comparison graph)
- Comparison:
    - compare with/without accelerated repayment
    - comparison between data
- Save data
- Calculate the loan amount using a subsidiary calculation function:
    - from desired repayment amount
    - annual income

[Settable entries]
- Loan amount
- Interest rate and type (Fixed, Fixed multi-step, Variable)
- Loan term
- Payment method (Principal equal, Interest equal)
- Bonus payment
- Accelerated repayment (Reduce the total term, Reduce the monthly payment)
- Various cost (Fees, Taxes, Insurance etc)
- Starting date
- Starting age
- Borrowing date

[Notes about calculation]
- 5 year rule, 125% rule
Amount of monthly payment is revised once every 5 year when you setup variable interest rate (5 year rule). The maximum amount of payment after the adjustment is 1.25 times more than the original amount (125% rule).

- Accelerated repayment with reducing total term for the bonus payment
If you accelerate repayment by reducing the total term, the reduced term is every 6 months (if you select twice a year bonus payment) or 12 months (if you select once a year bonus payment).

* iLoan Calc is an application that allows you to calculate various amount of a loan.
Please note that the results on this application gives a guideline and does not necessarily correspond to the results of financial institutions.

## Key features

- Loan simulation for various loan types
- Detailed calculation of payments and interest
- Comparison of repayment strategies
- Amortization schedule with CSV export
- Graphical representation of loan data
- Customizable loan parameters
- Save and manage loan scenarios

## Recent user reviews (10 of 25)

All indexed reviews: https://appshunter.io/ios/app/iloan-calc-loan-calculator/id329174056/reviews.md

### 4/5 — 5年・125%ルール

*2024-12-28*

重宝しているアプリの一つです。変動金利が上がりシミュレーションし直そうとしましたが、5年・125%ルールのせいで正確に算出できず困っています。ぜひ選択できるようアップロードしていただきたいです。

### 4/5 — 変動金利の変更をもっと自由に

*2024-12-18*

変動金利の変更をしたいのですが、半年毎でしか変更ができない仕様になっています。
最近金利が変わったのですが、適用月に設定できません。
1ヶ月毎に変更できるように変えて頂きたいです。

### 4/5 — 変動金利の設定修正依頼

*2024-10-05*

変動金利にしたのですが、金利の変更が融資実行月ではなく返済開始月と半年後しか選べないので融資実行月とその半年後も選べるようにしてほしいです。
10年以上利用したいます。使いやすくみやすいので重宝しています。もしよかったらアップデートお願いいたします。

### 4/5 — 付利単位

*2023-02-20*

付利単位100円を入力出来るようになれば金融機関からもらった返済予定表の続きが誤差なく作れて良いと思います。

### 1/5 — 返金してください。

*2022-07-05*

無料とあったのでダウンロードしました。
アップルより
MV2K564H27	書類番号
143560745973
突然490円の領収書がメール来ました…何かの手違いであればいいのですが、課金の項目も有りませんでした。
App Store
	ローン計算 iLoan Calc 
Natsu
iOS App  
TT12iPhone
レビューを書く |   問題を報告する
¥490
App Store
	ローン計算 iLoan Calc 
Natsu
iOS App  
TT12iPhone
レビューを書く |   問題を報告する
¥490
合計	¥490
¥490

### 3/5 — 試算結果の

*2021-04-08*

借入額合計に2000万と入れ、その下の月々返済分にも2000万とでますが、項目名か計算式至急修正お願いします。

### 5/5 — すごく良い

*2020-10-28*

すごく使いやすく計画練りやすい。
あと、誕生日(月のみ)記入できれば、ローン返済時の年齢が詳しく表示されるのにな！

返済回数だけではなく、月返済の金額のみでも出来ればもっと使いやすい。

### 1/5 — 繰り上げ返済

*2019-07-24*

繰り上げ返済の結果(期間短縮)が反映されない！

### 5/5 — Excellent

*2019-05-16*

Probably the best one I’ve used. Easy to enter terms and see results for various scenarios. Good job developer.

### 4/5 — 要望

*2019-03-30*

住宅営業です。いいアプリでいつも利用させていただいております。ただ、PDF出力のデザインが現代風ではないので格好悪いです。より今風のデザインへ変更が要望です。

## Frequently asked questions about iLoan Calc (Loan calculator)

### What types of loans can iLoan Calc simulate?

iLoan Calc can simulate various loan types, including mortgages, car loans, and other personal loans. It allows for detailed input of loan amount, interest rate, term, and payment method to provide accurate simulations.

### Can iLoan Calc compare different loan repayment options?

Yes, iLoan Calc offers comparison features, allowing you to compare loans with different settings. This includes comparing scenarios with and without accelerated repayment, helping you visualize the impact on your loan term and total interest paid.

### Does iLoan Calc provide a detailed breakdown of loan payments?

Absolutely. iLoan Calc calculates and displays various payment amounts, including monthly payment, bonus payment, yearly payment, total payment, and total interest. It also shows the percentage of interest allocation.

### Can I export my loan data from iLoan Calc?

Yes, iLoan Calc allows you to view the amortization schedule and export it as a CSV file. This makes it easy to analyze your loan data further or share it with others.

### What are the supported interest rate types in iLoan Calc?

iLoan Calc supports multiple interest rate types, including Fixed, Fixed multi-step, and Variable interest rates. It also accounts for specific calculation rules like the 5-year rule and 125% rule for variable rates.

### How does iLoan Calc handle accelerated repayment?

iLoan Calc allows you to simulate accelerated repayment by either reducing the total term or reducing the monthly payment. The app details how bonus payments affect the repayment schedule based on your chosen frequency.

### Is iLoan Calc available on multiple devices?

Based on the information provided, iLoan Calc is supported on iPhone and iPad devices. It is designed for iOS users looking for a comprehensive loan calculation tool.

### Does iLoan Calc have ads?

No, iLoan Calc does not contain advertisements. As a paid application, it offers an ad-free experience for all users.

## Version history (last 5 releases)

### 9.0 — 2026-02-06

iOS 26 support

### 8.0 — 2022-01-29

Support iOS 15

### 7.1.1 — 2020-10-19

bug fix

### 7.1.0 — 2020-10-12

Support iOS 14

### 7.0.1 — 2020-08-16

Enhance repayment schedule screen.

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## More apps by Natsu

- [omoide - easy movie maker](https://appshunter.io/ios/app/omoide-easy-movie-maker/id1023546227)

All apps by Natsu: https://appshunter.io/developer/329174059

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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 2026-09-07.*