LoanClarityPayoff planner, fully offline

LoanClarity is a fast, fully offline loan calculator for anyone comparing a mortgage, auto loan, or personal loan before signing. Enter the amount, rate, and term to see your monthly payment, total interest, and payoff date instantly — no ads, no account, no waiting on a server.

What makes LoanClarity different is the What-If slider: drag it to add an extra monthly payment and watch the interest saved and payoff date update live, so you can see exactly how much sooner you could be debt-free. Save multiple scenarios — refinance vs. keep, 15-year vs. 30-year, 100 vs. 200 extra a month — and compare them side by side.

WHAT MAKES LOANCLARITY DIFFERENT

• Instant results. See your monthly payment, total interest, and payoff date instantly as you type.
• Full amortization schedule. View the complete month-by-month payment breakdown.
• Live what-if slider. Drag to add an extra monthly payment and watch interest saved and payoff date update live.
• Save and revisit scenarios. Save loan scenarios to compare refinance vs. keep, 15-year vs. 30-year, and more.

PRICING

LoanClarity is free and fully offline, with no sign-up, no data collection, and no internet connection required. LoanClarity Pro is a one-time purchase, included forever, that unlocks unlimited saved scenarios, side-by-side scenario comparison, and unlimited extra-payment what-if modeling.

FEEDBACK

Made by a small indie team. Email obeliskclubclub@gmail.com with feedback, bug reports, or feature requests.