GoLoanly: Loan Payoff Planner

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About this app

Go overpay your loan. Save thousands.

GoLoanly shows you the real cost of your mortgage, car loan, personal loan or any loan, and exactly how much time and interest you save by paying a little extra.

Enter your loan's amount, interest rate and term, and GoLoanly shows the total you'll repay and how much of it is interest. Then try overpayments and watch the payoff date move.

OVERPAYMENT STRATEGIES
• A bit more each month, a yearly or one-off lump sum, or an early settlement.
• See each strategy against minimum payments: time saved, interest saved, new payoff date.
• Fixed or fixed-then-variable rates, with rate changes logged as they happen.

COMPARE AND PORTFOLIO
• Put plans side by side: payoff date, time saved and interest saved for each.
• Combine several loans into one picture: total monthly payments, a combined debt-free date and the interest across everything you owe.
• Full amortisation schedule and charts for every plan.

IMPORT YOUR LOAN IN SECONDS
• Import a payment schedule saved as a CSV file.
• Or let AI read the figures from your loan statement PDF, then check them before saving.

SUPPORTED CURRENCIES
• British pound (£ GBP), euro (€ EUR) and US dollar ($ USD).
• Choose the currency for each loan plan. Imports from a CSV file or PDF statement pick it up automatically.
• Each plan keeps its own currency. Amounts aren't converted between currencies.

AI COACH
Ask about overpaying a specific plan. The Coach suggests strategies, and GoLoanly recalculates every figure with its own calculator, so the numbers you see always add up.

PRIVATE BY DESIGN
• The calculator works fully offline, with no account needed.
• A free account adds cloud backup and sync across your devices.
• Your loan details are never shared or sold.

FREE
• The loan calculator, with no account needed.
• With a free account: up to 5 loan plans with 3 strategies each, cloud backup and sync, 5 AI Coach questions a month, and 2 PDF imports.

GOLOANLY PLUS
Everything in Free, plus:
• Unlimited loan plans and strategies.
• Unlimited AI Coach questions.
• Unlimited PDF imports.
• Export plans and comparisons as PDF or Excel files.
• A monthly AI review by email: interest saved so far, how far ahead of schedule you are, and your next milestones.

Plus is available as a monthly or yearly subscription, billed through Google Play. It renews automatically until you cancel, and you can cancel any time in Google Play → Payments & subscriptions.

GoLoanly is a planning tool. It doesn't offer, arrange or broker loans, and it isn't financial advice. Check any change with your lender before you make it.

Terms of Use: https://goloanly.app/terms/
Privacy Policy: https://goloanly.app/privacy/

What’s new

Smoother mixed-rate setup: enter the full term first, then the fixed period, and see the split.
Clearer start date and payments-made fields.
Fixes and stability improvements.