# Loan Calculator - Debt Planner — Mortgage, Car, School, Payday

> Loan and mortgage calculator revealing total interest, payoff dates, and savings. (iPhone/iPad app by ChuChu Train Productions.)

- Source: https://appshunter.io/ios/app/loan-calculator-debt-planner/id1059124601 (this page in markdown: same URL + `.md`)
- Developer: [ChuChu Train Productions](https://appshunter.io/developer/415772087)
- Category: Finance, Utilities
- Price: Free with in-app purchases
- Rating: 4.60/5 from 22,434 App Store ratings · 127 written reviews indexed
- Age rating: 4+
- Requires: iOS 12.0 · 18 MB
- Languages: American English
- Released: 2015-11-25
- Data updated: 2026-08-26
- Monetization: free with in-app purchases
- User reviews in markdown: https://appshunter.io/ios/app/loan-calculator-debt-planner/id1059124601/reviews.md

## What is Loan Calculator?

Transform How You Understand Loans & Mortgages

Thinking about buying a home? A new car? Refinancing? Before you sign anything, see the full picture with the loan calculator trusted by over 20,000 users (4.6/5.0+ average rating).

Why This Calculator Changes Everything:

Unlike basic calculators that only show monthly payments, this app reveals what lenders don't advertise - how much interest you'll actually pay, when you'll be debt-free, and exactly how extra payments can save you thousands.

Make Smarter Financial Decisions:

- Planning a $700K mortgage? Instantly see how an extra $100/month cuts years off your loan
- Comparing offers? Save multiple scenarios side-by-side to find the best deal
- Want to payoff early? Calculate exactly how much you'll save in interest
- Track every payment with detailed amortization schedules that break down principal vs interest

Built for Real People & Professionals:

Whether you're a first-time homebuyer trying to understand what you can afford, or a real estate professional running numbers for clients - this calculator delivers clarity in seconds.

Powerful Features Made Simple:

- Beautiful graphs that visualize your payoff journey
- Compare multiple loans instantly - see which saves you money
- Export payment schedules to share with your spouse or financial advisor
- 7 bonus calculators including credit card payoff & rental property analysis
- Apple Watch support for quick calculations on the go
- Sync across all your Apple devices

Stop Guessing. Start Knowing.

Every financial decision deserves accurate numbers. Download now and see exactly what your loan will cost - not just monthly, but over the life of the loan.
Free to download with optional features. Join thousands who've already taken control of their loan decisions.

Auto Renewable Subscriptions:

Monthly Pass subscriptions allow for unlimited saved loan entries, access to the additional finance tools tab, and an Ad free experience (iOS devices). You will be charged through your App Store account. A Yearly Pass is also available at a discounted rate as compared to the monthly rate. Subscriptions help support the app team, and allow us to continue to provide updates and new features.

Subscriptions will automatically renew unless cancelled within 24-hours before the end of the current period. You can cancel anytime within your iTunes account settings. Any unused portion of a free trial (if applicable) will be forfeited if you purchase a subscription.

Terms and Conditions (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/
Privacy Policy: https://www.chuchutrain.com/privacy-policy.html

## Key features

- Reveals total interest paid
- Calculates debt-free date
- Analyzes extra payment savings
- Detailed amortization schedules
- Compares multiple loan scenarios
- Visualizes payoff journey with graphs
- Includes bonus finance calculators

## Pricing and in-app purchases

Base price: Free.

**Subscriptions**

| Subscription | Price | Period |
| --- | --- | --- |
| Yearly Pass | $29.99 | per year |
| Monthly Pass | $4.99 | per month |
| Weekly Pass | $1.99 | per 7 days |

**One-time purchases**

| Purchase | Price | Type |
| --- | --- | --- |
| Unlimited Favorites | $2.99 | one-time |
| Remove Ads | $2.99 | one-time |
| Unlock Tools | $1.99 | one-time |
| Lifetime Pass | $99.99 | one-time |


## What do users think of Loan Calculator?

Overall sentiment: neutral

**Pros**

- 👍 Easy to use
- 🚀 Quick calculations
- 💡 Helpful for financial decisions
- 🔒 Secure app

**Cons**

- 🔍 Lacking advanced features
- 💸 Excessive ads
- 🐛 Bugs and crashes
- 📵 Difficulty disabling ads

**Commonly reported bugs**

- Extra payment field not calculating correctly
- App freezing and shifting up after inputting loan details
- Calculations not matching real-world loan repayment schedules

**Most requested features**

- Add down payment, taxes, and insurance options
- Implement comparison graphs and offset account analysis
- Provide option to pay weekly, bi-weekly, or monthly
- Add reset button and ability to save multiple loan scenarios

## Recent user reviews (10 of 127)

All indexed reviews: https://appshunter.io/ios/app/loan-calculator-debt-planner/id1059124601/reviews.md

### 5/5 — JJ

*2026-07-23, version 3.9.0*

Absolutely love this app makes it so easy to figure payments

### 1/5 — Not great

*2026-06-15, version 3.9.0*

To many commercials

### 1/5 — Adds ruined the app

*2026-05-29, version 3.9.0*

Before the adds it was a great app.  Now it’s very frustrating to try to compare numbers.

### 1/5 — Solid adds

*2026-04-06, version 3.8.3*

Works great if you can get past the adds

### 1/5 — Used to be great but now it's awful

*2026-03-29, version 3.8.3*

You can't even use the app anymore because of all the ads. On top of that they take forever I'm deleting it and looking for something else even if I have to pay for it.

### 1/5 — Unusable because of Ads

*2026-03-18, version 3.8.3*

Impossible to use because of ads. Do not download. The ads will never give an x to close them after the 2nd ad

### 5/5 — Helpful

*2026-03-13, version 3.8.3*

I am a Loan Officer and I use it for work! Helps customer visualize.

### 1/5 — Adds are way to looong

*2026-03-02, version 3.8.3*

Adds are timed and takes way to long

### 1/5 — Too many ads

*2026-02-20, version 3.8.3*

App works well just way too many ads. Deleted app

### 1/5 — Had this app for years

*2026-02-18, version 3.8.3*

Used to be a good app. Now you can’t to any calculations without tons of adds. Downloaded a different app.

## Frequently asked questions about Loan Calculator

### What does this loan calculator app do?

This app helps you understand the full financial impact of loans and mortgages. It goes beyond basic monthly payments to show you the total interest you'll pay over the life of the loan, when you'll be debt-free, and how extra payments can save you money. It also provides detailed amortization schedules and visualizations of your payoff journey.

### What are the key features of the loan calculator?

Key features include revealing total interest paid, calculating your debt-free date, analyzing savings from extra payments, providing detailed amortization schedules, allowing side-by-side comparison of multiple loan scenarios, and visualizing your payoff progress with graphs. It also includes bonus calculators for credit cards and rental properties.

### Is the app free to download and use?

The app is free to download. It offers optional auto-renewable subscriptions for features like unlimited saved loan entries, access to additional finance tools, and an ad-free experience. You can cancel subscriptions anytime through your App Store account settings.

### What types of loans can I calculate with this app?

The app is designed to help you understand various types of loans and mortgages, including those for homes, cars, and school. It also includes bonus calculators that can be used for credit card payoff and rental property analysis, making it a versatile financial planning tool.

### Can I share my loan payment schedules?

Yes, you can export your payment schedules from the app. This allows you to easily share detailed amortization breakdowns with others, such as a spouse or financial advisor, ensuring everyone is informed about the loan's progress and costs.

## Version history (last 5 releases)

### 3.9.0 — 2026-05-17

Minor bug fixes and adjustments.

### 3.8.3 — 2026-02-06

Minor bug fixes

### 3.8.2 — 2026-01-23

Minor bug fixes and enhancements

### 3.8.1 — 2026-01-20

Minor bug fixes and enhancements

### 3.8.0 — 2026-01-19

Minor updates and enhancements

## Apps similar to Loan Calculator

| App | Rating | Price | Category |
| --- | --- | --- | --- |
| [Loan Calculator - Loan2Me](https://appshunter.io/ios/app/loan-calculator-loan2me/id1442980816) | 4.8 (8,234) | Free | Finance |
| [Financial Calculator: Percent](https://appshunter.io/ios/app/financial-calculator-percent/id957134762) | 4.7 (14,664) | Free | Finance |
| [Mortgage Calculator- Home Loan](https://appshunter.io/ios/app/mortgage-calculator-home-loan/id1155749575) | 4.6 (412) | Free | Finance |
| [Car Loan Calculator,Auto Lease](https://appshunter.io/ios/app/car-loan-calculatorauto-lease/id1155867843) | 4.8 (1,319) | Free | Finance |
| [Debt Payoff Planner & Tracker](https://appshunter.io/ios/app/debt-payoff-planner-and-tracker/id1009323715) | 4.7 (7,221) | Free | Finance |
| [Loan Calculator‰](https://appshunter.io/ios/app/loan-calculator/id558688927) | 4.9 (104,929) | Free | Finance |

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All apps by ChuChu Train Productions: https://appshunter.io/developer/415772087

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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 2026-08-26.*