# KreditRaten – Loan Calculator — Calculate interest and payoff > Credit and annuity loan calculator for loan rate, interest, and APR. (iPhone/iPad app by Moyar UG (haftungsbeschränkt).) - Source: https://appshunter.io/ios/app/kreditraten-loan-calculator/id784770757 (this page in markdown: same URL + `.md`) - Developer: [Moyar UG (haftungsbeschränkt)](https://appshunter.io/developer/392239041) - Category: Finance, Productivity - Price: Free - Rating: 5.00/5 from 1 App Store ratings · 34 written reviews indexed - Age rating: 4+ - Requires: iOS 18.0 · 5 MB - Languages: American English, French (France), German (Germany), European Spanish - Released: 2013-12-29 - Data updated: 2026-08-31 - Monetization: free - User reviews in markdown: https://appshunter.io/ios/app/kreditraten-loan-calculator/id784770757/reviews.md ## What is KreditRaten? Personal loan, car finance, or mortgage: KreditRaten works out the numbers in seconds — payment, total interest, and the effective annual rate at a glance. SOLVE FOR ANY VALUE Payment, term, interest rate, or loan amount — enter three, and the app works out the fourth. So you can see not just how large your payment would be, but also how long you would pay at a given payment, or how much you could borrow for it. AMORTIZATION SCHEDULE AND CHART The schedule shows year by year how the split between interest and principal shifts and how the remaining balance falls. The chart makes the same development visible at a glance. COMPARE TWO LOANS Put two offers side by side and see the differences in payment, total interest, and overall cost highlighted in color — more expensive in orange, cheaper in green. BUILT AROUND REAL LOANS • Account for a balloon payment or remaining balance at the end of the term • Term in years or months • Payments monthly, quarterly, semi-annually, or annually • Effective annual rate using the compound-interest method required under German consumer-credit law (PAngV) FOR IPHONE AND IPAD On iPad with its own layout: inputs and results side by side, no switching back and forth. Plus nine color themes you can change at any time. NO ACCOUNT NEEDED No sign-up, no account. The calculation happens entirely on your device. WHAT IS AN ANNUITY LOAN? A loan repaid with a constant installment over the entire term. Each installment contains a share of interest and a share of principal. Because every payment reduces the balance, the interest share shrinks while the principal share grows — by the end of the term the loan is fully repaid. Most personal loans and mortgages are structured this way. Please note: All results are non-binding estimates and do not constitute financial advice. Fees, commissions, and commitment interest are not included. For an actual loan, only your bank's own offer documents are authoritative. ## Key features - Credit rate calculation - Total interest paid overview - Annual percentage rate (APR) display - Annuity loan explanation - Mortgage loan examples ## Recent user reviews (10 of 34) All indexed reviews: https://appshunter.io/ios/app/kreditraten-loan-calculator/id784770757/reviews.md ### 4/5 — Gut, aber es fehlt effektiver Zins *2024-11-15, version 2.1* Guter und ästhetischer Rechner, aber es fehlt die Option mit dem effektiven Jahreszins zu rechnen. Das würde sehr helfen! ### 5/5 — Einfach und ohne lästige Fragen! *2024-02-27, version 2.1* ein kleiner Wermutstropfen, in der Tastatur muss ein , sein . wird nicht akzeptiert. wichtig wegen Zinssatzangaben. ### 5/5 — Klaus H. *2024-01-03, version 2.1* Ein absolut spitzen App- schnell-einfach und genau. Wirklich super!! ### 5/5 — Läuft *2023-09-21, version 2.1* Einfach und praktisch ### 5/5 — Top !! *2022-03-02, version 2.1* Schnell, übersichtlich und einfach super ! ### 5/5 — Prima *2022-02-09, version 2.1* App macht was sie soll, ist sehr übersichtlich und einfach zu bedienen. Prima! ### 5/5 — Top *2019-11-26, version 2.1* Berechnet Kredite! ### 5/5 — Perfekt! *2019-03-26, version 2.1* Tut das, was es tun soll! ### 5/5 — Tip top! *2019-02-04, version 2.1* Sehr gute App! ### 2/5 — Laufzeit hat keinen Einfluss *2019-01-27, version 2.1* Funktioniert leider nicht richtig. Laufzeit hat keinen Einfluss auf das Ergebnis. Ergebnis ist daher falsch ## Frequently asked questions about KreditRaten ### What types of loans can LoanRate calculate? LoanRate is designed to calculate annuity loans, which are common for mortgages. It provides a clear overview of the credit rate, total interest paid, and the annual percentage rate for these loan types. ### How does LoanRate explain annuity loans? The app explains that annuity loans have constant installments, with each payment containing both interest and principal. As the principal is paid down, the interest portion of subsequent payments decreases. ### Is LoanRate free to use? Yes, LoanRate is available as a free app. There is also an ad-free paid version for users who prefer to avoid advertisements. ### Does LoanRate have ads? The free version of LoanRate contains advertisements. Users who wish to have an ad-free experience can opt for the paid version of the app. ### What devices does LoanRate support? LoanRate is compatible with Apple devices, including iPhone, iPad, and iPod. It is designed for iOS operating systems. ### What is the age rating for LoanRate? LoanRate has an age rating of 4+, making it suitable for a wide range of users. This indicates it contains no mature content. ### How often is LoanRate updated? The latest version of LoanRate is 2.1, which was last updated on December 15, 2014. It was initially released on December 29, 2013. ### What do users like about LoanRate? Users appreciate the app's ability to provide a quick and easy-to-read overview of loan details. The clarity of information regarding credit rates, interest, and APR is a key benefit. ## Version history (last 3 releases) ### 3.0 — 2026-08-28 Completely rebuilt — with everything that actually helps when working out a loan: • Amortization schedule and chart: see year by year how the split between interest and principal shifts • Compare two loans, with the differences highlighted in color • Account for a balloon payment or remaining balance • Term in years or months, payments monthly through annually • Its own layout for iPad: inputs and results side by side • New design with nine color themes • Your last entries from the previous version are carried over ### 2.1 — 2014-12-15 This app has been updated by Apple to display the Apple Watch app icon. The loan term can be expressed in years and months. iPad version with larger interface elements for better usability. ### 2.0 — 2013-12-28 No release notes. ## Apps similar to KreditRaten | App | Rating | Price | Category | | --- | --- | --- | --- | | [CanainfoConnect](https://appshunter.io/ios/app/canainfoconnect/id6443814500) | — | Free | Finance | | [Consult Insure](https://appshunter.io/ios/app/consult-insure/id1579284480) | — | Free | Finance | | [Pague Menos SuperMarket](https://appshunter.io/ios/app/pague-menos-supermarket/id1579949040) | — | Free | Finance | | [My Crypto List](https://appshunter.io/ios/app/my-crypto-list/id1580110580) | 5.0 (2) | Free | Finance | | [Kopter-Profi Versicherung](https://appshunter.io/ios/app/kopter-profi-versicherung/id1588241860) | — | Free | Finance | | [LlenaTuPlanilla.com](https://appshunter.io/ios/app/llenatuplanillacom/id1605417660) | — | Free | Finance | --- *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 2026-08-31.*