# Light Loan Calculator — Interest Rate Calculator

> Professional APR and IRR calculator for personal finance and loan management. (iPhone/iPad app by 乃 樊.)

- Source: https://appshunter.io/ios/app/light-loan-calculator/id1503897383 (this page in markdown: same URL + `.md`)
- Developer: [乃 樊](https://appshunter.io/developer/492477721)
- Category: Finance, Utilities
- Price: Free with in-app purchases
- Rating: 5.00/5 from 2 App Store ratings · 1 written reviews indexed
- Age rating: 4+
- Requires: iOS 12.0 · 12 MB
- Languages: American English, Chinese (Simplified, China)
- Released: 2020-04-04
- Data updated: 2026-08-17
- Monetization: free with in-app purchases
- User reviews in markdown: https://appshunter.io/ios/app/light-loan-calculator/id1503897383/reviews.md

## What is Light Loan Calculator?

This app is a convenient and professional free loan annual percentage rate (APR) calculator (IRR calculator).
It serves users' personal financial management needs and aims to help users accurately understand and manage their borrowing costs.

This app is suitable for various types of loans, including mortgages, car loans, online loans, credit card loans, credit loans, consumer loans, home renovation loans, housing provident fund loans, various commercial and financial loans, as well as quick loans, microloans, and other loan products provided by legitimate online lending platforms. The app supports calculations for multiple repayment methods, including equal principal and interest, lump-sum repayment, interest-only repayment, and more.

The core advantage of this app lies in its ability to clearly and professionally display the IRR (Internal Rate of Return), giving users an accurate understanding of their actual loan interest rate, helping them avoid being misled by opaque interest rates.

In terms of operation, this app offers a simple and clear interface. For different types of loans such as short-term loans, long-term loans, large loans, small loans, mortgage loans, cash loans, etc., users can quickly calculate the actual annualized interest rate by entering parameters such as loan amount, loan term, fees, and repayment methods into the “My Calculator” feature. Additionally, the app further calculates the repayment schedule, including the repayment time and amount for each installment, and provides a list for users.

This app is not only a useful repayment calculator but also a powerful assistant for users to efficiently manage their finances. With this app, users can clearly understand their repayment plan's total cycle, each installment amount, and the actual annualized interest rate, helping them stay informed and in control.

Easily handle online loans without being misled. We look forward to your use and feedback.

## Key features

- APR and IRR calculation
- Supports various loan types
- Multiple repayment method calculations
- Detailed repayment schedule
- Clear interface for loan parameters
- Financial management assistant

## Pricing and in-app purchases

Base price: Free.

**One-time purchases**

| Purchase | Price | Type |
| --- | --- | --- |
| Remove ads. | $2.99 | one-time |


## Recent user reviews (1 of 1)

All indexed reviews: https://appshunter.io/ios/app/light-loan-calculator/id1503897383/reviews.md

### 5/5 — 确实非常专业

*2020-04-05*

以前找了很多地方都没找到，现在终于好不容易找到了！感谢！

## Frequently asked questions about Light Loan Calculator

### What types of loans can Light Loan Calculator handle?

Light Loan Calculator supports a wide range of loans including mortgages, car loans, online loans, credit card loans, consumer loans, and microloans. It is designed to help users understand borrowing costs for various financial products.

### How does Light Loan Calculator help users avoid being misled?

The app provides a clear and professional display of the Internal Rate of Return (IRR), which is the actual loan interest rate. This transparency helps users accurately understand their borrowing costs and avoid opaque interest rate practices.

### What repayment methods can be calculated with Light Loan Calculator?

The app supports calculations for multiple repayment methods, including equal principal and interest, lump-sum repayment, and interest-only repayment. This allows for comprehensive analysis of different loan repayment structures.

### Does Light Loan Calculator offer a free trial?

Light Loan Calculator is available for free. While it offers in-app purchases, there is no mention of a trial period as the core functionality is accessible without cost.

### How often is Light Loan Calculator updated?

The latest version is 5.00, and the app was last updated on 2025-10-04. This indicates a recent update, suggesting ongoing development and support.

### What devices is Light Loan Calculator compatible with?

Light Loan Calculator is compatible with iPhone, iPad, and iPod devices. It is designed for the iOS ecosystem.

### Does Light Loan Calculator have ads?

Yes, Light Loan Calculator contains advertisements. This is indicated by the 'hasAds' flag being true in the application data.

### What is the age rating for Light Loan Calculator?

Light Loan Calculator has an age rating of 4+. This means it is suitable for users of all ages, with no mature content restrictions.

## Version history (last 5 releases)

### 5.20 — 2026-07-06

1.Fixed some issues.

### 5.00 — 2025-10-04

1.Support iOS 26.0.

### 3.80 — 2025-06-01

1. Fixed some issues.

### 3.70 — 2025-04-21

1. Fixed some issues.

### 3.60 — 2025-04-06

1. Fixed some issues.

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All apps by 乃 樊: https://appshunter.io/developer/492477721

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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 2026-08-17.*