Prend vs LoanQuantum

Settle up, stay friends. With Prend you track loans and debts between friends, split bills and get your money back without the awkwardness. Lent a friend money and can't remember how much it was or when they said they'd pay you back? Always the one covering rent, dinner or the trip, and then nobody knows who owes what? Prend keeps track and does the reminding, so you never have to chase anyone. LEND TO ANYONE (NEW) • Friend not on Prend? Add them by name and log the loan anyway. • Mark when they pay you back and share a reminder by message. LOANS, CRYSTAL CLEAR • Log a loan in seconds: amount, date, due date and who you lent it to. • Lend to several people at once and split the amount evenly. • One payment or installments: weekly, monthly or on the dates you pick. • Your friend lets you know from their app when they pay an installment, and you just confirm it. GROUPS FOR SHARED EXPENSES For roommates, couples, trips and nights out. • Add each expense in three steps: what was paid, who paid and how it's split. • Prend works out who owes whom. • Split equally, by exact amounts or by percentages, down to the cent. • Recurring expenses: rent, streaming or any fixed bill adds itself every week, month or year. • Settle up in full or with partial payments. Whoever gets paid confirms it. • Add someone who isn't on Prend yet using just their name. When they join, they inherit all their expenses. • Invite people with a link or a QR code. AUTOMATIC REMINDERS • Get a heads-up before a loan, debt or installment is due. • Nudge everyone who hasn't paid yet with one tap. Prend says it for you. • Get notified when someone adds an expense, records a payment or confirms yours. YOUR NUMBERS AT A GLANCE • What you're owed, what's overdue and what's coming due in the next few weeks. • Who owes you the most, across people and groups. • Overdue items come first on Home, with filters and search. • Choose your preferred currency. FRIENDS AND REPUTATION • Add friends by name, or scan their QR code when you're together. • Paying on time builds reputation. Not paying costs it. • Block or report any user if you need to. PREND PREMIUM Remove ads for good and create unlimited loans. Monthly or yearly subscription, or a one-time lifetime purchase. Available on iPhone and iPad. Download Prend and keep things square. Terms of Use: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ Privacy: https://prend-app.com/privacy

See your real monthly payment before you borrow. LoanQuantum is a free mortgage and loan calculator for US home buyers, car shoppers, students and anyone paying down debt. MORTGAGE CALCULATOR WITH TAXES, INSURANCE, PMI AND HOA • Your full monthly payment (PITI): principal and interest, property tax, home insurance, PMI and HOA dues. • PMI estimated when you put less than 20% down, and the month it ends (78% loan-to-value). • Extra monthly or yearly payments: see the interest you save and how much sooner you are mortgage-free. • Amortization schedule year by year and a balance chart. • Download a PDF report or an Excel schedule to share with a partner or lender. AUTO LOAN CALCULATOR • Vehicle price, down payment, trade-in and what you still owe on it (negative equity). • Your state's sales tax, title and dealer fees, financed or paid at signing. • Monthly car payment, total interest and the true total cost of the car. PERSONAL AND STUDENT LOANS • Personal loan payment by APR and term. • Student loans with years left in school, grace period, subsidized loans, and what happens to unpaid interest. REFINANCE CALCULATOR • New payment, monthly savings and your break-even month after closing costs. • Interest saved and lifetime savings, with current and new balance side by side. DEBT PAYOFF PLANNER • Add credit cards and loans, set one monthly budget. • Compare the avalanche (highest rate first) and snowball (smallest balance first) methods. • Your debt-free date, payoff order and interest saved versus paying only the minimums. COMPARE LOAN OFFERS • Up to three offers side by side: monthly payment, total interest, total cost and payoff date. • See which offer really costs the least, even when its payment is higher. HOW MUCH HOUSE CAN I AFFORD? • Comfortable and stretch price for a home or car from your income, debts and credit score. • Debt-to-income and housing ratios explained the way lenders look at them. QUANTUM COPILOT • Ask loan questions in plain English and get answers with the numbers worked out. SAVE AND COME BACK • Save any calculation to your free account and open it on any device. Results update as you type or move a slider. Every figure is calculated by the same engine as loanquantum.com, so the app, website and reports always agree. LoanQuantum provides estimates for educational purposes only. It is not a lender, does not offer loans and does not provide financial advice. Your actual rate, payment and costs depend on the lender and your credit. Privacy Policy: https://www.loanquantum.com/privacy-policy/