# Interest Calculation Advanced — Loans, Credits & Payment Plans

> Loans, Credits & Payment Plans (iPhone/iPad app by Juan Camilo Marin Ochoa.)

- Source: https://appshunter.io/ios/app/interest-calculation-advanced/id6760624573 (this page in markdown: same URL + `.md`)
- Developer: [Juan Camilo Marin Ochoa](https://appshunter.io/developer/1596861993)
- Category: Finance, Utilities
- Price: $0.99 (on sale, was $1.99)
- Age rating: 4+
- Requires: iOS 17.6 · 3 MB
- Languages: American English, European Spanish
- Released: 2026-03-19
- Data updated: 2026-08-23
- User reviews in markdown: https://appshunter.io/ios/app/interest-calculation-advanced/id6760624573/reviews.md

## What is Interest Calculation Advanced?

Before you sign, find out what a loan or purchase really costs you. Interest Calculation breaks down every installment, month by month, so you never get surprises.

Pick a financial product and see how the numbers change:
- Credit card: single-payment purchase (no interest), installment purchase or cash advance.
- Personal or general-purpose loan.
- Mortgage.

KEY FEATURES
- Month-by-month amortization table (French system).
- Interactive charts: cost distribution and balance evolution.
- Annual Effective Rate or Monthly Nominal Rate.
- Effective Annual Cost (real APR) including every fee.
- Additional fees: maintenance fee, credit-life insurance (% of balance), tax (% of interest) and one-time charges.
- Variable rate: simulate rate changes over the life of the loan.
- Extra payments: shorten the term or lower the installment.
- Usury-cap alert based on market rules (Colombia).
- Save your simulations, browse your history and compare them side by side.
- Export your full payment plan to PDF to share it.

MADE FOR YOU
- Colombian market rules with support for other markets.
- Available in English and Spanish.
- No ads and no sign-up.
- Everything is calculated on your device: works offline and your data never leaves your phone.

Make financial decisions with clear information, not surprises.


## Version history (last 2 releases)

### 2.0.0 — 2026-05-27

Version 2.0 is our biggest update yet:

- New products: single-payment card, installment purchase and cash advance, plus personal loan and mortgage. The form adapts to each one.
- Markets: rules for Colombia and the United States (currency and usury cap).
- Effective Annual Cost (real APR): the true cost including every fee.
- New fee types: percent of balance (insurance), percent of interest (tax) and time-limited charges.
- Variable rate: simulate rate changes during the loan.
- Extra payments: choose to shorten the term or lower the installment.
- Alert when the rate exceeds the market's legal cap.
- Save your simulations, review your history and compare them side by side.

Thanks for using the app! Tell us what you'd like to see next.

### 1.0.0 — 2026-03-19

No release notes.

## More apps by Juan Camilo Marin Ochoa

- [Crear QR](https://appshunter.io/ios/app/crear-qr/id1596861991)
- [Dictation to Text](https://appshunter.io/ios/app/dictation-to-text/id1596990313)
- [Calculadora - Básica](https://appshunter.io/ios/app/calculadora-basica/id1631628532)
- [Full Billing](https://appshunter.io/ios/app/full-billing/id1638065720)
- [PDF Only - PDF editor](https://appshunter.io/ios/app/pdf-only-pdf-editor/id1668607016)
- [GIF Creator - Maker](https://appshunter.io/ios/app/gif-creator-maker/id6449068831)

All apps by Juan Camilo Marin Ochoa: https://appshunter.io/developer/1596861993

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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 2026-08-23.*