LoanClarity

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.

Included:

• Instant monthly payment, total interest, and payoff date
• Full month-by-month amortization schedule
• Live extra-payment what-if modeling with interest saved
• Save and revisit loan scenarios

LoanClarity Pro (one-time purchase, included forever):

• Unlimited saved scenarios
• Side-by-side scenario comparison
• Unlimited extra-payment what-if modeling

Everything runs on your device. No sign-up, no data collection, no internet connection required.