# LoanClarity: Loan Calculator — Payoff planner, fully offline

> Payoff planner, fully offline (iPhone/iPad app by 永 张.)

- Source: https://appshunter.io/ios/app/loanclarity-loan-calculator/id6788278007 (this page in markdown: same URL + `.md`)
- Developer: [永 张](https://appshunter.io/developer/1806535769)
- Category: Finance, Productivity
- Price: Free with in-app purchases
- Age rating: 4+
- Requires: iOS 18.0 · 1 MB
- Languages: American English, Chinese (Simplified, China)
- Released: 2026-08-06
- Data updated: 2026-09-02
- User reviews in markdown: https://appshunter.io/ios/app/loanclarity-loan-calculator/id6788278007/reviews.md

## What is LoanClarity?

LoanClarity is a fast, fully offline loan calculator for anyone comparing a mortgage, auto loan, or personal loan before signing. Enter the amount, rate, and term to see your monthly payment, total interest, and payoff date instantly — no ads, no account, no waiting on a server.

What makes LoanClarity different is the What-If slider: drag it to add an extra monthly payment and watch the interest saved and payoff date update live, so you can see exactly how much sooner you could be debt-free. Save multiple scenarios — refinance vs. keep, 15-year vs. 30-year, 100 vs. 200 extra a month — and compare them side by side.

Included:
• Instant monthly payment, total interest, and payoff date
• Full month-by-month amortization schedule
• Live extra-payment what-if modeling with interest saved
• Save and revisit loan scenarios

LoanClarity Pro (one-time purchase, included forever):
• Unlimited saved scenarios
• Side-by-side scenario comparison
• Unlimited extra-payment what-if modeling

Everything runs on your device. No sign-up, no data collection, no internet connection required.

## Pricing and in-app purchases

Base price: Free.

**One-time purchases**

| Purchase | Price | Type |
| --- | --- | --- |
| LoanClarity Pro | $2.99 | one-time |



## Version history (last 1 release)

### 1.0 — 2026-08-07

No release notes.

## More apps by 永 张

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- [IDKit: Passport & ID Photos](https://appshunter.io/ios/app/idkit-passport-and-id-photos/id6769530845)
- [ShotKit: Screenshot Studio](https://appshunter.io/ios/app/shotkit-screenshot-studio/id6777430919)
- [NearBeam: Local File Transfer](https://appshunter.io/ios/app/nearbeam-local-file-transfer/id6777431459)

All apps by 永 张: https://appshunter.io/developer/1806535769

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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 2026-09-02.*