# Kaeseru Loan Payoff Calc — Rate stress test, ad-free

> Loan payoff calculator for rate changes, prepayments, and effective APR. (iPhone/iPad app by Daisuke Yamaguchi.)

- Source: https://appshunter.io/ios/app/kaeseru-loan-payoff-calc/id6796657244 (this page in markdown: same URL + `.md`)
- Developer: [Daisuke Yamaguchi](https://appshunter.io/developer/880950899)
- Category: Finance, Utilities
- Price: $0.99
- Age rating: 4+
- Requires: iOS 17.0 · 2 MB
- Languages: American English, Japanese
- Released: 2026-08-05
- Data updated: 2026-09-04
- Monetization: paid
- User reviews in markdown: https://appshunter.io/ios/app/kaeseru-loan-payoff-calc/id6796657244/reviews.md

## What is Kaeseru Loan Payoff Calc?

"If the rate goes up 1%, how much more do I pay every month?"
"If I prepay a lump sum, how much interest do I actually save?"

Kaeseru answers those questions in money, not in vague charts.
It shows the difference between doing it and not doing it.


PREPAYMENT, SETTLED IN NUMBERS
Pick when and how much you prepay. Kaeseru leads with the answer:
how much interest you save, and how many months earlier you finish.
It runs both strategies at once - shorten the term vs. lower the payment -
so you can see which one wins, after the prepayment fee.

SEE THE RATE HIKE BEFORE IT HAPPENS
+0.5%, +1.0%, +2.0%, plus any increase you choose.
Up to four scenarios at once, each showing how much your monthly payment grows.
The 5-year rule and the 125% cap common to Japanese variable-rate loans can be
switched on or off, and Kaeseru shows what they hide:
deferred interest, and the balance that gets pushed to the final payment.

REAL APR, FEES INCLUDED
Add origination fees, guarantee fees and monthly insurance,
and you get the effective annual rate instead of the headline rate -
the number you need to compare against car loans and personal loans.

SOLVE FOR ANY OF THE FOUR
Monthly payment, borrowing capacity, term, or rate.
Choose one and Kaeseru solves it from the rest -
even with bonus (semi-annual) payments configured.

NOTHING HIDDEN
The formulas, the monthly rate, how bonus payments are calculated separately -
all visible in the app. Rounding of fractional yen is yours to choose
(down, nearest, or up), so you can reconcile with your lender's schedule.

ALSO
- Terms up to 50 years (600 payments)
- Equal-payment and equal-principal methods
- Bonus payment months you choose yourself
- Amortization schedule by month or year, exportable as CSV
- Save plans and compare any two side by side


WHAT THIS APP DOES NOT DO
- No ads (no ad SDK is bundled)
- No in-app purchases
- No data collection (everything stays on your device)
- No network requests (only opening a link launches your browser)

One purchase. Every feature, from the moment you open it.


Results are estimates. Actual terms and payments depend on your lender's
calculation method. Always confirm with your lender's official schedule.

By Sauna Inc.

## Key features

- 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

## Recent user reviews (1 of 1)

All indexed reviews: https://appshunter.io/ios/app/kaeseru-loan-payoff-calc/id6796657244/reviews.md

### 5/5 — 「住宅ローンを組む前に入れておきたいアプリ」

*2026-08-07*

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。

## Frequently asked questions about Kaeseru Loan Payoff Calc

### 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.

## Version history (last 3 releases)

### 1.3 — 2026-08-27

• 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.

### 1.2 — 2026-08-09

Added a guided first run.

- On first launch you now enter your own loan amount, rate and term as you go. By the time you finish, the result is already calculated for your numbers.
- You can run it again any time from "Show the walkthrough again" in Settings.
- The button for saving a plan was hard to recognise, so the icon changed and the word "Save" was added. You can also save from the bottom of the calculation screen.

### 1.0 — 2026-08-06

No release notes.

## More apps by Daisuke Yamaguchi

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- [起業おじさん](https://appshunter.io/ios/app/id6795361615)
- [禁酒ウォッチ｜断酒・節酒カウンター](https://appshunter.io/ios/app/id6795822272)
- [Tsuzuku: Habit Tracker & ToDo](https://appshunter.io/ios/app/tsuzuku-habit-tracker-and-todo/id6796174701)
- [Solo Invoice: Quote & Receipt](https://appshunter.io/ios/app/solo-invoice-quote-and-receipt/id6796195340)

All apps by Daisuke Yamaguchi: https://appshunter.io/developer/880950899

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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 2026-09-04.*