Loan Repay Calc Visual
See true APR, compare & share
About
This app helps you understand loan costs by visualizing repayment schedules and calculating true annualized interest rates. It supports various loan types and life decision scenarios, offering detailed breakdowns and prepayment analysis.
What's New in Loan Repay Calc Visual
1.1.7
September 8, 2026
Commercial home-loan scenarios now support terms up to 40 years; provident-fund loans remain capped at 30 years, subject to bank approval and local policy. A new China Mortgage 50/60 affordability method includes property management fees and other monthly debt and clearly shows the binding limit. Fixed an issue where repayment results could stop responding after returning from the per-period schedule, with better compatibility on newer systems.
MoreDeveloper apps
FAQ
What types of loans can Loan Repay Calc Visual calculate?
Loan Repay Calc Visual supports mortgages (commercial, provident fund, combo), auto loans, consumer/personal credit loans, National Student Loans, and credit card installments. It also handles various repayment methods like equal principal & interest and equal principal.
Does Loan Repay Calc Visual offer prepayment analysis?
Yes, the app provides detailed prepayment scenarios, including full and partial prepayments. You can analyze the impact of prepayments on shortening the term or reducing monthly payments, with options for penalty and rule settings.
How does Loan Repay Calc Visual calculate the true cost of a loan?
It calculates the real annualized cost (IRR/Effective APR) by including fees, net disbursed amount, and other cost factors. This provides a clearer picture of your true borrowing cost beyond the nominal interest rate.
Can I compare life decisions with Loan Repay Calc Visual?
Yes, the app supports life decision comparisons such as Home Affordability, Buy or Rent a Home, and Buy or Rent a Parking Space. It helps you visualize and analyze these significant financial choices.
Does Loan Repay Calc Visual have ads?
No, Loan Repay Calc Visual is free and ad-free. It also works offline, ensuring you can access its features without an internet connection or interruptions from advertisements.
How is my privacy handled by Loan Repay Calc Visual?
The app is privacy-first, storing your loan plans locally only. You can also turn off anonymous analytics, ensuring your financial data remains private and secure on your device.
Can I share my loan repayment schedules?
Yes, Loan Repay Calc Visual offers one-tap sharing of loan cards and CSV export. This allows you to easily share detailed repayment schedules and analysis with others.
What devices is Loan Repay Calc Visual available on?
Loan Repay Calc Visual is currently supported on iPhone and iPod devices. It is designed to provide a seamless experience on these Apple platforms.
