# IntresTools — Loan calculator

> Offline loan calculator and financial planning tool. (iPhone/iPad app by Hussein Hoteit.)

- Source: https://appshunter.io/ios/app/intrestools/id6751752518 (this page in markdown: same URL + `.md`)
- Developer: [Hussein Hoteit](https://appshunter.io/developer/1836630794)
- Category: Finance, Utilities
- Price: Free
- Rating: 5.00/5 from 4 App Store ratings · 2 written reviews indexed
- Age rating: 4+
- Requires: iOS 16.6 · 7 MB
- Languages: American English
- Released: 2025-09-02
- Data updated: 2026-06-11
- Monetization: free
- User reviews in markdown: https://appshunter.io/ios/app/intrestools/id6751752518/reviews.md

## What is IntresTools?

IntresTools helps you plan smarter money moves—free and offline.

Calculate monthly loan payments and full amortization, compare two loans side-by-side, test refinance savings and break-even, preview home-equity payments within an 80% LTV cap, and model investment growth with or without reinvesting interest. Everything runs on your device—no accounts, no tracking.

What you can do
Loan: monthly payment, principal vs interest, full schedule
Compare: A/B loans with monthly cost, total interest & balance curves
Refinance: break-even rate, fees, and monthly change
Home Equity: keep ≥20% equity (80% LTV cap), see combined payments
Investment: contributions vs interest, reinvest toggle & charts

Privacy & trust
All calculations run locally on your device. We don’t collect personal data.

Disclaimer
Results are estimates for education and planning and aren’t financial advice. Check terms with your lender or advisor.

## Key features

- Monthly loan payment calculation
- Loan comparison tool
- Refinance savings analysis
- Home equity payment modeling
- Investment growth simulation
- Offline functionality

## Recent user reviews (2 of 2)

All indexed reviews: https://appshunter.io/ios/app/intrestools/id6751752518/reviews.md

### 5/5 — Great App +super easy to use

*2025-09-02*

This app was super helpful and straightforward to use. It  has lots of different tools and visuals so everything was super clear!! I would def recommend this if you’re calculating how much money you owe etc, I used it to calculate my college debt and it was able to do that really well; it helped me form a timeline of when I needed to pay back my subsidized / unsubsidized loans. Overall 10/10!!

### 5/5 — Useful

*2025-09-02*

Easy to use with nice visualization, especially the loan comparison and  refinance tabs.

## Frequently asked questions about IntresTools

### What can IntresTools calculate?

IntresTools can calculate monthly loan payments, full amortization schedules, compare two loans, test refinance savings and break-even points, preview home-equity payments with an 80% LTV cap, and model investment growth with or without reinvesting interest.

### Is IntresTools free to use?

Yes, IntresTools is completely free to use. It does not require any payment or in-app purchases.

### Does IntresTools require an internet connection?

No, IntresTools is designed to work offline. All calculations are performed locally on your device, meaning you do not need an internet connection to use it.

### Does IntresTools collect personal data?

No, IntresTools prioritizes user privacy. All calculations run locally on your device, and the app does not collect any personal data.

### What devices is IntresTools available on?

IntresTools is available on iPhone and iPad devices.

### How often is IntresTools updated?

IntresTools was last updated on September 2, 2025, with version 1.0. Future updates will be released by the developer, Hussein Hoteit.

### Is IntresTools suitable for all ages?

IntresTools has an age rating of 4+, making it suitable for a wide range of users. The results are intended for educational and planning purposes and are not financial advice.

### What makes IntresTools different from other finance apps?

IntresTools stands out by offering comprehensive loan and investment calculation tools that function entirely offline, ensuring user privacy by not collecting any personal data or requiring accounts.

## Version history (last 1 release)

### 1.0 — 2025-09-02

No release notes.

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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 2026-06-11.*