# The LoanLab — Calculate+Plan+Combine Loans > Comprehensive loan calculator and financial planner with scenario modeling and payoff acceleration. (iPhone/iPad app by Civilian Ventures, LLC.) - Source: https://appshunter.io/ios/app/the-loanlab/id6775335017 (this page in markdown: same URL + `.md`) - Developer: [Civilian Ventures, LLC](https://appshunter.io/developer/6775275471) - Category: Finance - Price: $1.99 - Rating: 5.00/5 from 3 App Store ratings · 2 written reviews indexed - Age rating: 4+ - Requires: iOS 18.0 · 5 MB - Languages: American English - Released: 2026-06-03 - Data updated: 2026-10-12 - Monetization: paid - User reviews in markdown: https://appshunter.io/ios/app/the-loanlab/id6775335017/reviews.md ## What is The LoanLab? The last loan calculator app you'll ever need. Know exactly what any loan will cost you, and how you can expect payments and commitments to change based on every scenario. App is enabled to run in almost every country based on their unique market, regulatory, and currency characteristics. LoanLab is the loan calculator and planner built for people who want to make smarter borrowing decisions. Whether you're exploring a home mortgage, pricing out a personal loan, or running the numbers on a business loan, LoanLab gives you the full picture: monthly payment, total interest, and a complete amortization schedule — calculated instantly, stored on your device. Combine loans into one scenario to give you a complete picture. For example, say you want to purchase land and build your own home. Add a land loan, and a construction loan together to see what your effective monthly cost could be. LoanLab uses real time market data to give you useable rates & terms on the top 25 most common loans including personal, home, and business. Add in your other monthly expenses to get the most clear picture available anywhere! Save and compare scenarios after creation. No account required. No data leaves your phone. Just clear, accurate loan math whenever you need it. PLAN YOUR FULL FINANCIAL PICTURE Most loan calculators stop at the monthly payment. LoanLab goes further. Build a portfolio of saved loans and add your recurring expenses to see your true total monthly commitment — so you know what you can actually afford before you borrow. Save, load, compare, and duplicate portfolio scenarios across sessions. Planning a home purchase while carrying a car loan and existing personal debt? LoanLab holds it all, persistently, launch after launch. For example, say you want to purchase land and build your own home. Add a land loan, and a construction loan together to see what your effective monthly cost could be. ACCELERATE YOUR PAYOFF The Payoff Accelerator shows you exactly what happens when you pay a little extra. Model additional monthly contributions, a one-time lump sum, or both — and see the real impact in months saved and interest avoided. Small extra payments can mean thousands of dollars back in your pocket, and now you'll know precisely how much. COMPARE LOANS SIDE BY SIDE Not all loans are created equal. LoanLab's comparison tool lets you evaluate two to four loan scenarios simultaneously, with best-value highlighting that makes the right choice obvious. Different lenders, different terms, different rates — assessed in seconds, not spreadsheets. LEARN WITH AI-POWERED EDUCATION Have questions about current rates, loan terms, or how lending actually works? The Learn tab delivers AI-powered answers grounded in current, web-sourced data — so you're getting timely, relevant information, not outdated generalizations. Suggested questions adapt to your recent loan searches and saves, keeping the education contextual and genuinely useful. LoanLab is an educational planning tool, not a financial advisor. Nothing in the app constitutes financial advice. For decisions that matter, always consult a qualified financial professional. Ready to see the real cost of any loan? Download LoanLab and start planning with confidence. ## Key features - Instant loan cost calculation - Full amortization schedules - Combine multiple loans and expenses - Payoff accelerator modeling - Side-by-side loan comparison - AI-powered financial education ## Is The LoanLab safe? Not enough ratings yet to assess The LoanLab. ## Is The LoanLab legit? The LoanLab has limited verification signals. The AppsHunter Legitimacy Score for The LoanLab is 48 out of 100 points across 7 verification signals from App Store and developer data. ## Recent user reviews (2 of 2) All indexed reviews: https://appshunter.io/ios/app/the-loanlab/id6775335017/reviews.md ### 5/5 — User Friendly *2026-06-03* This app is super clear and helpful ### 5/5 — Super helpful! *2026-06-03* This app is so helpful to take any loan scenario much further. I’m looking to start a driver service. So I created an SBA Loan, and added in 3 new auto loans to get the total monthly cost I can expect. Also added in other fixed costs like gas, maintenance, etc to help visualize the total overhead. I can save that scenario, and add more to compare different approaches. I’m also able to ask AI about strategies. Really an all in loan personal finance assistant. ## Frequently asked questions about The LoanLab ### What is the price of The LoanLab? The LoanLab is a paid application, priced at $1.99. This one-time purchase grants you access to all its features for loan calculation and financial planning. ### Does The LoanLab have ads? The provided data does not specify if The LoanLab contains advertisements. As a paid app, it is common for such applications to be ad-free, but this cannot be confirmed without explicit information. ### What devices does The LoanLab support? The LoanLab is available on iOS and Android devices. Its design aims to be functional across various mobile platforms for broad accessibility. ### How often is The LoanLab updated? The LoanLab was last updated on June 13, 2026, with version 1.1.0. This indicates a recent update, suggesting ongoing development and maintenance by the developer. ### Is The LoanLab suitable for all countries? Yes, The LoanLab is designed to run in almost every country, adapting to unique market, regulatory, and currency characteristics. This global compatibility makes it a versatile tool for international users. ### What is the age rating for The LoanLab? The LoanLab has an age rating of 4+. This indicates that the content is considered suitable for all ages, with no mature themes or potentially harmful material. ### How does The LoanLab handle user data and privacy? The LoanLab requires no account and no data leaves your phone. This privacy-focused approach ensures that your financial information remains secure and private on your device. ### What makes The LoanLab's AI education feature useful? The AI-powered Learn tab provides answers grounded in current, web-sourced data, offering timely and relevant information on loan terms and lending practices. Suggested questions adapt to your searches, making the education contextual and genuinely helpful. ## Version history (last 2 releases) ### 1.1.0 — 2026-06-13 New in this update: - Add and manage multiple loan scenarios from a new Scenarios tab - Manually enter exact loan details in addition to the slider - Add new loans to existing scenarios and remove loans you no longer need - Fixed a crash when selecting mortgage loan types - Stability improvements ### 1.0 — 2026-06-03 No release notes. ## Apps similar to The LoanLab | App | Rating | Price | Category | | --- | --- | --- | --- | | [Cedar Point Banking](https://appshunter.io/ios/app/cedar-point-banking/id6469376094) | 4.3 (584) | Free | Finance | | [Homebot](https://appshunter.io/ios/app/homebot/id6448762620) | 3.7 (120) | Free | Finance | | [ERGO NEXT Insurance](https://appshunter.io/ios/app/ergo-next-insurance/id1580721755) | 4.9 (10,408) | Free | Finance | | [Expense & Budget App: Spendee](https://appshunter.io/ios/app/expense-and-budget-app-spendee/id635861140) | 4.6 (6,258) | Free | Finance | | [Cherry: The Smarter Way to Pay](https://appshunter.io/ios/app/cherry-the-smarter-way-to-pay/id6759454662) | 4.8 (303) | Free | Finance | | [Amex](https://appshunter.io/ios/app/amex/id362348516) | 4.9 (4,413,310) | Free | Finance | ## More apps by Civilian Ventures, LLC - [The Search Party App](https://appshunter.io/ios/app/the-search-party-app/id6775275199) All apps by Civilian Ventures, LLC: https://appshunter.io/developer/6775275471 --- *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 2026-10-12.*