01 — Overview
Built for borrowing decisions.
Most loan calculators answer one question with one set of inputs and stop there. Loanalyze treats every loan as a scenario you can adjust, compare, save, and share. Change the term, the rate, the down payment, the extra principal, or the payoff strategy and watch the numbers update instantly. Save the version you want to keep.
Five loan categories are first-class concepts in the app: mortgage, vehicle, student, credit card, and personal. Each category exposes the inputs that matter for that kind of loan, and the calculation engine handles amortization, interest accrual, and payoff timing the way the underlying products actually work.
02 — Loan categories
Five kinds of loans, one app.
Mortgage
Model 30-year and 15-year fixed, adjustable-rate, and interest-only mortgages. Account for down payment, rate, term, and extra principal. See total interest paid, payoff date, and the principal-versus-interest split year over year.
Vehicle
Calculate auto loans with trade-in value, down payment, sales tax, and term. Model new vs used scenarios, compare dealer financing against a credit union offer, and see what an extra monthly payment does to total interest.
Student
Calculate federal and private student loan repayment with standard, graduated, and extended schedules. Model the cost of deferment, compare the impact of consolidation, and project total interest across the life of the loan.
Credit card
See exactly what minimum-payment traps cost you over time, model a fixed payoff schedule, and compare snowball versus avalanche strategies across multiple balances. Built for people who want out of revolving debt, not deeper in.
Personal
Calculate fixed-rate personal loans with origination fees, term, and APR normalization. Compare offers across lenders by their effective true cost, not just the headline rate. Useful for debt consolidation evaluations.
Switch between them freely
The interface adapts to the category you pick. Mortgage shows down payment and property tax fields; credit cards show minimum-payment percentage; personal loans show origination fees. Same calculation engine underneath, different surface for the questions each loan type raises.
03 — Goal Mode
Solve for what you can afford.
Most calculators answer "given these inputs, what's the payment?" Goal Mode flips the question and works backwards from the answer you actually care about.
Target monthly payment
Set a maximum monthly payment you're willing to make. Loanalyze solves for the combination of loan amount, rate, and term that fits inside that ceiling. Useful for evaluating offers against a personal cash-flow budget rather than whatever the lender quotes you.
Affordability ceiling
Given a monthly payment cap, a rate, and a term, Loanalyze solves for the maximum loan amount you can take on. Use this to set a price ceiling for a home or car shopping trip, before a salesperson tells you what you can afford.
04 — Compare
Two scenarios, side by side.
Loanalyze lets you compare two scenarios from the same loan category in detail. Two mortgage scenarios, or two vehicle scenarios, or two student loan scenarios — not mortgage versus vehicle, since the inputs and outputs don't line up. Within a category, every input and output is shown side by side with a delta column so you can see exactly what's responsible for the difference.
This is the right tool for "should I take the 30-year or the 15-year?", "should I put 20 percent down or 10 with PMI?", "is the dealer's 60-month at 7.9 percent worse than the credit union's 72-month at 6.4 percent?", and similar real-world choices.
05 — Saved scenarios
Your loans, your way.
Save unlimited scenarios with names, notes, and full input snapshots. SwiftData stores everything locally on your device. No account required, no cloud sync, no analytics. Your financial modeling stays private.
The scenario list groups saved scenarios by category, with relative dates and quick deletion. Loaded scenarios show up in the header with a name indicator and an unsaved-changes dot when you've modified inputs. Quick-save updates the existing scenario; save-as creates a new one.
07 — Get Loanalyze
Free to start.
Loanalyze is free with an optional Pro tier. The free tier includes the full calculation engine, amortization charts, all five loan categories, and share-as-image. The Pro tier unlocks Goal Mode, Saved Scenarios, Compare Scenarios, and PDF export, features that turn the calculator into a real planning tool.
No accounts, no analytics, no data collection. Everything runs locally on your device. Your loan scenarios are yours alone.