LoanCue

LoanCue is a private loan, mortgage, and credit-card decision analyzer that helps you understand your options before committing. It goes beyond basic payment calculations by showing how each decision could affect your payoff date, total interest, and monthly cash flow. ANALYZE ALL YOUR DEBTS • Mortgages, auto loans, personal loans, student loans, HELOCs, and credit cards • Payment and amortization schedules • Credit-card minimum payments, utilization, and promotional APR expiration • Extra monthly and lump-sum payment analysis • Payoff dates, time saved, and interest saved • Refinance, mortgage recast, and biweekly comparisons EXPLORE WHAT-IF SCENARIOS Use Scenario Lab to test extra payments, lump sums, interest rates, promotional offers, and investment returns with instant recalculation. Save promising scenarios and compare your choices side by side. MAKE CLEARER DECISIONS Plain-English verdict cards explain important tradeoffs without unnecessary finance jargon. Compare paying down debt with investing at an adjustable assumed return, explore refinancing, or determine whether a balance-transfer offer still saves money after fees and the promotional period ends. OPTIMIZE YOUR COMPLETE DEBT PICTURE View all your debts together and see how an extra monthly amount could be allocated using the debt-avalanche method. LoanCue accounts for promotional credit-card rates and shows the potential interest and payoff-time impact. UNDERSTAND CREDIT-CARD PAYOFFS Model your planned payment, issuer minimum-payment formula, regular APR, promotional APR, expiration date, credit limit, and balance-transfer fees. See how paying more than the minimum may reduce interest and shorten your payoff timeline. PRIVATE BY DESIGN Calculations happen on your device. LoanCue has no advertising SDK, analytics SDK, account server, or AI service. Your records are stored locally and can synchronize through your private iCloud database when available. LoanCue provides educational estimates only and does not provide financial, investment, tax, or legal advice. Credit-card issuers and lenders may use different interest, fee, rounding, and payment-allocation rules. Verify all terms and payoff figures before acting.