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⚡ Payoff Accelerator — New Crush your debt faster. Open any saved loan, add a small monthly extra, and watch your interest vanish. Save months, save thousands. Share your journey to freedom.
Instant loan impact analysis. Zero guesswork
LoanWise is your intelligent loan decision companion. Before you borrow, understand exactly how a loan will impact your income, cash flow, and long-term financial stability. No spreadsheets. No surprises. Just clear, data-driven insights that help you move forward with confidence. 💡 Salary & Income Impact Analysis See how much of your monthly take-home goes toward repayments before you commit. Know your debt-to-income (DTI) ratio instantly — the same number banks and mortgage lenders use to approve applications. 📊 Affordability Check Visual, instant feedback on whether a loan fits your budget. No jargon. Just a clear answer before you sign. 🧮 Full Amortisation Schedule Complete month-by-month breakdown — principal, interest and balance for every payment. Supports Reducing Balance (EMI) and Simple Interest (Flat Rate) — used by banks, SACCOs and microfinance institutions worldwide. ⚖️ Loan Comparison Compare two loan offers side by side. See which saves more in total interest, monthly payment and lifetime cost. Bank vs fintech. Fixed vs variable. Two lenders — one clear winner. 📅 Repayment Tracker Track every payment on an active loan. Mark months paid, catch overdue payments early and add private notes. Your long-term debt management companion. 💾 Save & Share Save unlimited simulations. Share summaries via WhatsApp, email or any app. ⚡ Zero Friction No account. No data collected. Works 100% offline. EVERY TYPE OF LOAN 🏠 Mortgage & Home Loans — first-time buyers, refinancing, mortgage amortization, HELOC 🚗 Auto & Car Finance — monthly installment, total repayment, dealer negotiation prep 👤 Personal Loans — bank loans, buy-now-pay-later, peer-to-peer, debt consolidation 💼 Business & SME — working capital, equipment finance, startup credit 🎓 Student Loans — repayment planning, income vs debt analysis 🏦 Cooperative & Microfinance — SACCO, chama, susu, arisan, salary advance BUILT FOR BORROWERS EVERYWHERE 🌍 Africa Nigeria · Ghana · Kenya · South Africa · Tanzania · Uganda · Zambia · Senegal — salary advance, cooperative flat-rate, susu, chama and SACCO calculations. 🌏 Asia India (home loan EMI, two-wheeler, education) · Indonesia (KPR, KTA, cicilan bulanan, pinjaman online) · Philippines (Pag-IBIG, SSS amortization) · Thailand (สินเชื่อส่วนบุคคล สินเชื่อรถยนต์ สินเชื่อบ้าน) · Vietnam · Malaysia · Bangladesh · Pakistan 🌎 Latin America Brazil (emprestimos pessoais, credito consignado) · Mexico (prestamos personales, CAT) · Colombia · Argentina · Chile · Peru 🌐 North America, Europe & Australia USA (mortgage amortization, auto loan, DTI, personal loan, debt payoff) · Canada (mortgage, line of credit) · UK (personal loan APR, mortgage overpayment) · Australia (home loan, comparison rate) · Germany · France · UAE QUICK TEMPLATES 🚗 Car · 🏠 Mortgage · 👤 Personal · 💼 Business · 🎓 Education · ⚡ Emergency FULL FEATURES ✓ EMI & reducing balance calculator ✓ Flat rate / simple interest calculator ✓ Amortisation & amortization schedule ✓ Side-by-side loan comparison ✓ Repayment tracker & payment calendar ✓ DTI & affordability analysis ✓ Save simulations locally ✓ Share via WhatsApp, email & more ✓ Mortgage payoff & debt consolidation planner ✓ 100% offline · No account Borrow With Confidence Whether you need a personal loan calculator, mortgage repayment estimator, EMI checker, car finance planner or debt payoff tracker — LoanWise gives you the answer in seconds, in your currency, at your local rates. Because smart borrowing is not about taking bigger loans. It is about making wiser ones. LoanWise — Calculate. Compare. Track.