Loan Expert: Calculator

BeFunny

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About this app

Loan Expert computes your monthly payments, total interest and complete amortization schedule in seconds — no account, no sign-up and no Internet connection.

EVERYTHING WORKS OFFLINE
All calculations run on your phone. No financial data ever leaves the device and no server is involved. You can run a simulation inside a bank branch, a car dealership or a basement with no signal.

FOUR PRESET LOAN TYPES
• Mortgage
• Auto loan
• Consumer loan
• Student loan (with grace period)

Each profile comes with realistic amounts, terms and rates that you can adjust freely.

WHAT YOU GET INSTANTLY
• Monthly payment, with and without borrower insurance
• Total interest and total insurance
• Application fees
• Total cost of credit
• Estimated APR
• Full month-by-month schedule: principal, interest, insurance and outstanding balance

MORE THAN A SIMPLE CALCULATOR
• Early repayment: enter a month and an amount, the app shows the months saved and the interest avoided
• Grace period, useful for student loans
• Insurance as an annual rate or a fixed monthly amount
• Rate comparison: instantly see your rate against −0.5% and +0.5% to know what negotiating is worth
• Chart of outstanding principal and cumulative interest over the full term

COMPARE YOUR OFFERS
Save several simulations, name them, then display them side by side: monthly payment, total cost, APR. You immediately see which offer is genuinely cheaper.

EXPORT YOUR NUMBERS
• PDF: the complete schedule, ready to print or to show your bank
• CSV: your simulations, ready for Excel, LibreOffice or Google Sheets

COMFORT
• French and English
• Light and dark theme
• One-handed friendly interface

Loan Expert is a simulation tool meant to help you prepare and compare financing plans. Results are indicative: only the loan offer issued by your institution is contractually binding. The displayed APR is an estimate and may differ from the legal APR computed by your bank.

What’s new

First release of LoanExpert.

• Mortgage, auto, consumer and student loans, each preset
• Monthly payment, interest, insurance, fees, estimated APR and full schedule
• Early repayment: months saved and interest avoided
• Grace period support
• Compare a ±0.5% rate variation
• Save your simulations and compare them side by side
• PDF and CSV export
• 100% offline: your data never leaves your phone