Take control of your loan with a simple, visual calculator and repayment tracker.

Simple Loan Calculator shows what you will repay, how interest and fees add up over time, and how much sooner you could be debt-free with extra repayments or an offset account. Then it reminds you when each repayment is due.

WHY PEOPLE USE IT
• Set up a loan in seconds and see your repayment straight away
• Plan for real life: fixed rates that end, rate rises and cuts, interest-only periods
• See how much interest and time extra repayments or an offset could save
• Track the loans you already have, with reminders before each repayment
• Works fully offline. Your data stays on your phone

LOAN CALCULATOR
• Amount borrowed, interest rate and loan term (in years and months, or as start and end dates)
• Weekly, fortnightly, monthly, quarterly or yearly repayments
• Rate changes: add a new rate after any number of months or years. Your repayment is recalculated so the loan still ends on time
• Interest-only period, followed by principal and interest for the rest of the term
• Account fees and how often they are charged

SEE HOW TO PAY IT OFF FASTER
• Extra repayments: choose the amount, how often, and when they start
• Offset savings, with optional regular deposits
• Lump sum (balloon) final payment
• Interest saved and time saved, compared with the original loan

CLEAR, VISUAL RESULTS
• Repayment card showing every change in your repayment over the loan
• Breakdown chart of principal, interest, fees and extra repayments
• Loan balance over time: your plan against the original loan
• Year-by-year loan plan with opening and closing balances

COMPARE AND SAVE
• Save as many loan scenarios as you like, then rename, reorder or delete them
• Compare two loans side by side. The cheaper option is highlighted on every line

REPAYMENT REMINDERS
• Track each loan's remaining balance and progress
• Notifications before repayments are due, at the time you choose
• Upcoming repayments timeline with the amount due and the balance left after each one
• Record extra payments, interest rate changes and interest-only periods as they happen
• Start a reminder straight from a saved loan

MORE
• Built-in basic calculator with history
• Many currencies, with symbols
• Light, dark or automatic appearance, and your choice of date format
• Back up everything to a file you choose, and restore it on a new phone

PRIVACY FIRST
Your loans, reminders and settings stay on your device. No account, no sign-in and no cloud sync. Backups are only created when you ask, and you decide where they go.

Whether you are planning your first home loan, weighing up a refinance or paying off a car loan, Simple Loan Calculator gives you clear numbers in seconds.

IMPORTANT
This app is for informational and educational purposes only and does not provide financial advice. All calculations are estimates. Check with your lender for exact figures.