# Loan Repay Calc Visual — See true APR, compare & share

> Loan repayment calculator with visual schedules and true APR calculation. (iPhone/iPad app by 梁臣 卿.)

- Source: https://appshunter.io/ios/app/loan-repay-calc-visual/id6758029197 (this page in markdown: same URL + `.md`)
- Developer: [梁臣 卿](https://appshunter.io/developer/1839710191)
- Category: Finance, Utilities
- Price: Free
- Rating: 5.00/5 from 2 App Store ratings
- Age rating: 4+
- Requires: iOS 15.0 · 7 MB
- Languages: American English, Chinese (Simplified, China), Chinese (Traditional, Taiwan)
- Released: 2026-02-02
- Data updated: 2026-08-20
- Monetization: free
- User reviews in markdown: https://appshunter.io/ios/app/loan-repay-calc-visual/id6758029197/reviews.md

## What is Loan Repay Calc Visual?

Repayment Calculator helps you turn complex loan contracts into reconcilable repayment schedules and calculates annualized results closer to your true borrowing cost (IRR / Effective APR), so you can clearly see the principal, interest, and total cost behind each monthly payment. It is both a repayment calculator and a loan calculator, and it also supports home-related life decision comparisons.

Use cases: mortgages, auto loans, consumer/personal credit loans, National Student Loans, credit card installments, and life decision scenarios such as Home Affordability, Buy or Rent a Home, and Buy or Rent a Parking Space.

Key Features:
• Free, ad-free, and works offline
• Multiple loan and repayment templates
• Mortgage: commercial loan, housing provident fund loan, and combo loan
• Auto loan: equal principal & interest, balloon/final payment support, additional fees, and more
• Consumer / Personal credit loans
• National Student Loan
• Credit Card (installment / lite revolving)
• Life decisions: Home Affordability, Buy or Rent a Home, Buy or Rent a Parking Space
• Multiple repayment methods: equal principal & interest, equal principal, equal principal + equal interest, and short-term repayment options
• Mortgage amount can be quickly estimated using Area + Unit Price
• Supports automatic LPR default updates with offline fallback
• Real annualized cost (IRR): includes fees, net disbursed amount, and other cost factors
• Repayment details and charts: clear breakdown of principal / interest / remaining balance for each period, plus prepayment value analysis
• Prepayment scenarios: full prepayment and partial prepayment (shorten term or reduce monthly payment), with penalty and rule settings, and support for repeated partial prepayments over time
• Repayment period to calendar-time mapping: view schedules, charts, and details by actual year and month
• One-tap sharing: share cards + CSV export
• Privacy-first: plans are stored locally only, and anonymous analytics can be turned off

Disclaimer: This app provides loan/repayment estimation, life decision comparisons, and informational display only. It does not constitute financial, investment, legal, tax, or home-buying advice. Actual contract terms, bank practices, policy requirements, and market conditions may vary. Please refer to your actual contract, official policies, and professional advice when needed.

Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula

## Key features

- Visual repayment schedules
- True APR and IRR calculation
- Mortgage, auto, and personal loan support
- Life decision comparisons
- Prepayment analysis
- One-tap sharing and CSV export


## Frequently asked questions about Loan Repay Calc Visual

### 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.

## Version history (last 5 releases)

### 1.1.6 — 2026-08-17

New Prepayment Plans: make recurring prepayments monthly, quarterly, semiannually, annually, or every custom number of months, then see the payments applied, interest saved, payment amount, and remaining term.
A new standalone Prepayment entry lets you calculate without an existing loan plan, and new plans now remind you to save before leaving.
Repayment charts now highlight key milestones with clearer axes, while opening editors, creating plans, and entering amounts feel smoother.

### 1.1.5 — 2026-06-22

Opening a template now gets you into the editor faster, with smoother transitions when entering and leaving the flow.
Continued performance work on editor loading and numeric keyboard input makes first opens and amount entry feel more responsive.
Fixed startup layout jumps in the plan list, occasional bounce-back from Settings, and delayed return of the bottom tab switcher after going back to the list.

### 1.1.4 — 2026-05-20

Added stronger gesture and animation feedback across core flows including list and settings switching, schedule details, comparisons, and prepayment, making navigation and state changes feel more continuous.
The editor has been reorganized by scenario for mortgages, auto loans, student loans, credit cards, and life decisions, making common templates easier to open and adjust.
Auto loan equal-payment mode now supports two-way reverse calculation between APR-style annual rate and monthly payment, with multilingual editing, summaries, and guidance polished at the same time.

### 1.1.3 — 2026-05-07

Post-prepayment recalculation can now be set up from the information visible in your bank app, including remaining terms, actual loan-use term, monthly payment, and interest rate combinations.
Added annual-rate reverse calculation from "monthly payment + remaining repayment terms" or "monthly payment + actual loan-use term", with key inferred values shown directly in the recalculation result.
Improved launch presentation, button hierarchy, list actions, result feedback, and the smoothness of editor and repayment-detail flows.

### 1.1.2 — 2026-04-25

The Templates page now shows only the first three items in each main section by default, with one-tap expand and collapse so common tools are easier to reach.
Template order now follows recent usage popularity, bringing common options like mortgage, post-prepayment recalculation, and auto loan closer to the top; existing installs also adopt the new order after updating.
Improved card hierarchy on some decision-summary views in dark mode, making home and car comparison results easier to scan.

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## More apps by 梁臣 卿

- [Photos Slim-Photo Cleaner&Map](https://appshunter.io/ios/app/photos-slim-photo-cleaner-and-map/id6755155759)
- [NetCheck - WiFi & LAN](https://appshunter.io/ios/app/netcheck-wifi-and-lan/id6761486587)

All apps by 梁臣 卿: https://appshunter.io/developer/1839710191

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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 2026-08-20.*