Loanly: Loan & EMI Calculator

Loanly is a private, offline borrowing companion that takes you from "what will this cost?" to "is this the right deal - and do I understand it?". Six purpose-built calculators, side-by-side comparison, refinance break-even analysis, full amortization schedules, and an original Learn library - all working offline with no sign-up and no data collection. CALCULATE - Loan & EMI: amount, rate and term to your exact monthly payment, total interest and total cost, live as you type. - Mortgage: factor in down payment, property tax, insurance and HOA for the true monthly housing cost. - Car loan: include trade-in, sales tax and fees to find what an auto loan really costs. - Affordability: work out how much you can borrow from a target monthly payment. - Extra payment: model overpayments and see the interest saved and months shaved off. DECIDE - Refinance break-even: compare your current loan to a new offer and instantly see the monthly saving, the break-even point (how long the saving takes to repay the closing costs) and the lifetime saving. - Amortization schedule: every payment split into principal and interest, by month or year, exportable to PDF or CSV. - Save & compare: name your scenarios and compare them side by side. LEARN - A built-in library of short, plain-language guides: how amortization works, APR vs interest rate, fixed vs variable, how to pay off a loan faster, what lenders look at, should you refinance, why the deposit matters, and looking at total cost - not just the payment. - A glossary of the key terms (APR, amortization, LTV, DTI, escrow, points, break-even and more) so the numbers make sense. WHY LOANLY - Works 100% offline - your numbers never leave your device. - No sign-up, no account, no data collection. - 50+ languages with full right-to-left support. - Clean, fast light & dark interface. Free, supported by ads, with a one-time option to remove them. Loanly provides estimates and general information only and is not financial, legal or tax advice. Always confirm figures with your lender before making decisions.