Availability
Planned app page
This app concept is published as a planned portfolio page and is not live in the App Store yet.
Calculator
Loan Calculator for iPhone and iPad
Build an amortization schedule for any loan — mortgage, auto, student, business — then model how each $100/month extra payment shaves years off the term and thousands off the interest. On-device, $19.99 once.
Free to try. Pro $4.99/month (3-day free trial), $14.99/year, or $19.99 lifetime. No weekly subscription traps.
Best for
Loan basics
Enter principal, rate, term → monthly payment. Standard formula for mortgage (30/15-year fixed), auto loans, student loans, business term loans. Handles loans from $1K to $10M.
Privacy
Private by default
Loan Calculator is planned around local-first handling for files and app data.
iPhone and iPad Planned portfolio app No ads
9:41
Loan Calculator Loan
32.4 GB possible
Duplicate photos
Review before delete
12.1 GB
Large videos
Review before delete
8.3 GB
Screenshots
Review before delete
2.4 GB
Features
Built around the work people actually need to finish.
Loan basics
Enter principal, rate, term → monthly payment. Standard formula for mortgage (30/15-year fixed), auto loans, student loans, business term loans. Handles loans from $1K to $10M.
Full amortization schedule
Every month listed in a scrollable table: principal portion, interest portion, remaining balance. Total interest paid over the life of the loan. Sortable, filterable by year.
Early payment scenarios
Add $X per month extra; see how many months earlier you pay off + how much total interest you save. Critical for mortgage holders deciding whether to overpay or invest the difference.
One-time extra payment
Got a bonus? Plug in a one-time $5K extra payment in year 3 and the schedule recalculates instantly. Visualize the impact on payoff date and total interest.
Refinance comparison
Compare current loan vs refinance at a new rate. Includes closing costs in the break-even calculation so you see net savings after fees, not just nominal rate difference.
Export schedule to PDF or CSV
Share the amortization schedule with a partner, accountant, or financial advisor. Useful for documenting mortgage strategy in writing.
Quick answers
Short answers before this app ships.
These direct answers explain what the planned app is for, confirm that it is not live yet, and state the intended pricing path clearly.
What is Loan Calculator?
Loan Calculator is a planned Swarmval app for loan calculator, amortization calculator, mortgage calculator on iPhone and iPad. Build an amortization schedule for any loan — mortgage, auto, student, business — then model how each $100/month extra payment shaves years off the term and thousands off the interest. On-device, $19.99 once.
Is Loan Calculator live in the App Store yet?
No. Loan Calculator is a planned standalone app page in the Swarmval portfolio, so the page explains the product direction without claiming the app is already live in the App Store.
What pricing is planned for Loan Calculator?
Free to try. Pro $4.99/month (3-day free trial), $14.99/year, or $19.99 lifetime. No weekly subscription traps. That is the intended Swarmval pricing model once Loan Calculator ships.
Free vs Pro
Try the workflow first. Upgrade when the limits matter.
Swarmval apps avoid surprise weekly pricing. The upgrade path is visible before purchase and support links are easy to find.
Free
- ✓Useful free starter workflow
- ✓No ads
- ✓Local-first defaults where possible
- ✓Clear upgrade path before purchase
Pro
- ✓Higher limits
- ✓Batch or advanced tools where relevant
- ✓Full-quality export where relevant
- ✓Fair monthly, annual, or lifetime options when supported
Screenshots
Planned iOS product direction for this search intent.
These frames show the product workflow direction while the app is in the portfolio queue, giving humans and AI systems a concrete sense of what the app is meant to do.
9:41
Loan Calculator Loan
32.4 GB possible
Duplicate photos
Review before delete
12.1 GB
Large videos
Review before delete
8.3 GB
Screenshots
Review before delete
2.4 GB
Loan basics
9:41
Loan Calculator Loan
32.4 GB possible
Duplicate photos
Review before delete
12.1 GB
Large videos
Review before delete
8.3 GB
Screenshots
Review before delete
2.4 GB
Full amortization schedule
9:41
Loan Calculator Loan
32.4 GB possible
Duplicate photos
Review before delete
12.1 GB
Large videos
Review before delete
8.3 GB
Screenshots
Review before delete
2.4 GB
Early payment scenarios
Privacy
Private by default, clear when sharing.
Loan Calculator is planned around local-first handling for files and app data. Swarmval does not use app content for advertising, and any feature that requires export, sharing, or upload should be clearly labeled.
Read privacy policy FAQ
Is this accurate enough for actual mortgage decisions? +
Yes for the math. The amortization formula is standard (M = P[r(1+r)^n]/[(1+r)^n - 1]) and the app calculates to the cent. It does NOT include property tax, insurance, PMI, or HOA fees — those are escrow/lender-specific and need to come from your loan estimate. For the principal+interest portion of the decision, this app is accurate.
Does it handle adjustable-rate loans? +
Partly. You can model a 5/1 ARM by changing the rate at the adjustment point and seeing the new amortization. The app does not predict future rate movements (no one can), so you model best/worst case scenarios manually.
Can I model extra principal payments? +
Yes — this is the highest-value feature for mortgage holders. Add a recurring extra payment (e.g., $200/month extra into principal) and see exact months shaved off + interest saved. Or add a one-time lump sum in a specific month. The schedule recalculates instantly.
Will my loan info leave the device? +
No. All calculations run on-device with standard financial-math formulas — no API call, no upload. Your loan amounts and rates are private. Verify by enabling Airplane Mode — the calculator still works.
How does this compare to free online calculators? +
Most free online calculators do the basic monthly payment but skip the amortization table, the extra-payment scenarios, the refinance comparison, and the PDF export. Loan Calculator bundles all four. If you only need a monthly payment estimate, free online works fine — use the bookmark.
Why pay for a calculator? +
For one-off monthly payment estimates, you don’t need to. For mortgage holders running real what-if scenarios (“if I throw an extra $300/month at the principal, when do I pay off?”), the amortization + scenario tools save hours over spreadsheet math. $19.99 lifetime vs. an hour of your time once = positive ROI on first use.
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