# Loan & Lease Calculator — Financial Calculator

> Advanced financial calculator for loans and leases with cross-device syncing. (iPhone/iPad app by Calcemy Limited.)

- Source: https://appshunter.io/ios/app/loan-and-lease-calculator/id1516609177 (this page in markdown: same URL + `.md`)
- Developer: [Calcemy Limited](https://appshunter.io/developer/1516609176)
- Category: Utilities, Finance
- Price: Free with in-app purchases
- Rating: 4.57/5 from 7 App Store ratings · 9 written reviews indexed
- Age rating: 4+
- Requires: iOS 17.6 · 1 MB
- Languages: English
- Released: 2020-06-13
- Data updated: 2026-06-11
- Monetization: free
- User reviews in markdown: https://appshunter.io/ios/app/loan-and-lease-calculator/id1516609177/reviews.md

## What is Loan & Lease Calculator?

Loan & Lease is a financial calculator.  The app works on iPhone, iPad and Mac.  If you have more than one of these devices, then all your quotes should be kept in sync with each other across your devices (providing iCloud is turned on).  It currently has the following features:

Solve For a Target - You can choose whether to enter a loan advance amount and calculate the payment or alternatively, enter the payment values and calculate the loan advance.

Deposit - You can add an additional payment right at the start of the loan period.

Residual - You can enter the balance outstanding at the end of the term.

Compounding - You can vary the compounding method and compounding period.

Cost of Funds and Margin - You enter the yield required by the lender in its component parts of CoF plus Margin.

Initial Payments - You enter the multiple of the normal payment which is to be paid on the start date.

Payment Frequency - Is how often the borrower has to make the regular payments (Monthly, Quarterly, Semi-Annual or Annual).

Initial Pause - Is the number of months from the start of the agreement to the first regular payment is made by the borrower.

Regular Payments - Is the number of regular payments made by the borrower. i.e. the total number of payments minus any initial payments made.

Terminal Pause -  Is the number of months from the last regular payment to the end of the agreement when any residual or end fee is paid.

Subsidy - This is the amount received by the funder from a vendor or manufacturing partner.

Commission - Is the amount paid by the funder to any intermediary (equipment dealer or broker).

NPV - this read only field is the Net Present Value of the deal to the funder.  i.e. it is all positive cashflows minus all negative cashflows discounted using the Cost Of Funds.

You can also:

Send details of a quote from the app via email and also import quotes performed by other users into your app.

Set the date of the first regular payment.

Seasonal Payment Profile - You can vary the payment amount depending upon the month of the year that payment falls in.

Variable Payment Profile - You can fix any payment in the profile and also add additional sundry payments (such as a VAT deferral).

Project Drawdown Profile - You can add extra loan amounts timed after the initial loan advance.

Terms of Use are available at:
https://www.loanandlease.net/terms

## Key features

- Solve for target loan/lease amounts
- Incorporate deposits and residuals
- Variable compounding methods
- Detailed payment frequency and pauses
- Track subsidies and commissions
- Email quotes and import user quotes

## Pricing and in-app purchases

Base price: Free.

**One-time purchases**

| Purchase | Price | Type |
| --- | --- | --- |
| Loan & Lease Professional | $39.99 | one-time |


## Recent user reviews (9 of 9)

All indexed reviews: https://appshunter.io/ios/app/loan-and-lease-calculator/id1516609177/reviews.md

### 5/5 — Very good app

*2023-07-28, version 3.1*

Question- Is there a way to delete prior calculations?

### 1/5 — Not working

*2021-07-06, version 1.3*

Keeps locking up.

### 5/5 — Thank you

*2020-11-15, version 1.3*

I have some notes:
A- The possibility of recording the date of signing the financing and the date of payment, for example, the date of falling salary differs from the date of borrowing .

B- The possibility of modifying the payment due day may be a month on 25, a month on 24 and a month on 26 .. Banks do not transfer the salary if it falls on a weekend day.

C- Add a property that has been paid and how much is the rest of the financing .

D- The possibility of printing

F- I can adjust the last installment, sometimes how much is left of the total loan because of the fractions in the monthly installment

Thank you for your time and I apologize for the language, I am not an English speaker

### 5/5 — Loan & Lease calculator

*2020-07-16*

Very good app, easy to use.  Clear, obvious and well thought out.

### 5/5 — Helpful little tool for calculating loan charges/commissions

*2020-07-12, version 1.3*

Helpful little tool for calculating loan charges/commissions.  Works as planned - would be good if some graphs were added and layout was less linear and more condensed

### 5/5 — By far the best loan and lease calculator

*2020-07-11, version 1.3*

I’ve used many loan and lease calculator apps in my many years as a multi property owner and this is by far the most user-friendly and advanced app I’ve found.

### 5/5 — Elegant and logical

*2020-07-11, version 1.3*

Very clean and fast app

### 5/5 — Great App by a super chap

*2020-07-10, version 1.3*

Super useful and simple calculator. Highly recommended. 

And if you're ever lucky enough to be a (maths) student of the author then you should consider yourself extremely fortunate.

### 5/5 — Perfect sales tool

*2020-07-03, version 1.3*

Perfect for mobile quoting - accurate and confident application

## Frequently asked questions about Loan & Lease Calculator

### What devices does Loan & Lease Calculator support?

Loan & Lease Calculator is available on Mac, iPhone, and iPad. All your quotes can be kept in sync across these devices if you have iCloud turned on.

### How does Loan & Lease Calculator handle different payment schedules?

The app allows you to specify payment frequency (Monthly, Quarterly, Semi-Annual, Annual) and set initial and terminal pauses for payments. It also supports seasonal and variable payment profiles.

### Can I share my loan or lease calculations with others using Loan & Lease Calculator?

Yes, you can send details of a quote from the app via email. You can also import quotes that have been performed by other users directly into your app.

### Does Loan & Lease Calculator have ads?

No, Loan & Lease Calculator does not contain advertisements. It is a completely ad-free application.

### What is the Net Present Value (NPV) feature in Loan & Lease Calculator?

The NPV is a read-only field that represents the Net Present Value of the deal to the funder. It calculates this by subtracting all negative cashflows from all positive cashflows, discounted using the Cost Of Funds.

### How often is Loan & Lease Calculator updated?

The latest version of Loan & Lease Calculator is 6.1, which was last updated on December 12, 2025. Updates typically occur to introduce new features or improve performance.

### What is the age rating for Loan & Lease Calculator?

Loan & Lease Calculator has an age rating of 4+. This indicates it is suitable for users of all ages.

### Can I calculate the loan advance amount if I know the payment, or vice versa, with Loan & Lease Calculator?

Yes, the 'Solve For a Target' feature allows you to either enter a loan advance amount to calculate the payment, or enter payment values to calculate the loan advance.

## Version history (last 5 releases)

### 6.3 — 2026-05-19

Migration message to move to Calcemy App.

### 6.2 — 2026-04-01

Notice to customers to use our newer more powerful Calcemy App.

### 6.1 — 2025-12-12

UI changes for iOS 26 compatibility.

### 6.0 — 2025-10-21

More intuitive selection of compounding types, ability to set compound frequency to payment frequency, feedback option, minor bug fixes.

### 5.1 — 2025-06-17

Minor bug fix to the Settings view to allow values to be saved even if the keyboard does not display the Save button.

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## More apps by Calcemy Limited

- [Loan & Mortgage Checker](https://appshunter.io/ios/app/loan-and-mortgage-checker/id6670245958)
- [Calcemy](https://appshunter.io/ios/app/calcemy/id6756926888)

All apps by Calcemy Limited: https://appshunter.io/developer/1516609176

## Related topics

[lease calculator](https://appshunter.io/ios/topics/lease-calculator)

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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.*