「住宅ローンを組む前に入れておきたいアプリ」
住宅ローンの返済額や繰り上げ返済の効果が一目で分かるので、とても参考になりました。難しい知識がなくてもシミュレーションできるので、家を買う予定がある人やローンを見直したい人には入れておいて損はないアプリです。
$0.99
About
This app helps you understand the financial impact of loan rate changes and prepayments. It calculates interest savings, potential payment increases, and effective annual rates, allowing you to compare different scenarios. All calculations are performed on your device with no data collection.
✓Calculate interest savings from prepayments
✓Simulate loan rate increase scenarios
✓Determine effective annual rate (APR)
✓Solve for payment, borrowing capacity, term, or rate
✓Export amortization schedules as CSV
✓Compare saved loan plans side-by-side
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What's New in Kaeseru Loan Payoff Calc
1.3
August 27, 2026
• Added "Our other apps" in Settings, so you can see what else we make. The App Store opens inside the app, so you never lose your place.
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FAQ
Does Kaeseru have ads?
No, Kaeseru is ad-free. The app explicitly states that no ad SDK is bundled and it contains no advertisements.
How much does Kaeseru cost?
Kaeseru is a paid app priced at $0.99. This one-time purchase unlocks all features without any in-app purchases.
What devices does Kaeseru support?
Kaeseru is available for iPhone and iPad devices. It is designed to run on Apple's mobile operating system.
How often is Kaeseru updated?
Kaeseru was last updated on August 9, 2026, with version 1.2. This indicates a recent update and ongoing support.
Is Kaeseru safe for all ages?
Kaeseru has an age rating of 4+, making it suitable for a wide audience. It does not collect user data or require network requests.
Can Kaeseru calculate Japanese variable-rate loan specifics?
Yes, Kaeseru can simulate scenarios with the 5-year rule and 125% cap common to Japanese variable-rate loans, showing deferred interest and balance shifts.
How does Kaeseru handle loan fees?
Kaeseru includes origination fees, guarantee fees, and monthly insurance in its calculations to provide the real effective annual rate (APR), not just the headline rate.
Can I reconcile Kaeseru's calculations with my lender?
Yes, Kaeseru allows you to choose how fractional yen are rounded (down, nearest, or up) to help you reconcile the app's calculations with your lender's official schedule.