Best Loan Calculator Apps for iOS - September 2025
These loan calculator apps stand out for their accuracy, user-friendly interfaces, and advanced features that simplify debt management and financial planning.
Our Top Pick
The best loan calculator app for iOS
Why It's #1
- Six additional input screens
- Real-time payment updates
- Debt comparison tools
Screenshots
About Loan Calculator - Loan2Me by Jeffrey Williams
Welcome to the Loan and Mortgage calculator. A simple, intuitive, yet extremely powerful tool to assess loans and mortgages. This app has over 20,000 reviews, averaging over 4.6/5 stars. This is the calculator can be used for homes, cars, school, and any type of credit purchase. The app includes specialized tools for home buyers, real estate professionals, loan officers, property managers. FEATURES • Early payoff calculations. • Break down of payments for each period (amortization). • Compare & save multiple loans and payment schedules. • Easy export to HTML and CSV for view on a computer. • Portrait and landscape mode. • Currency based on the region. • Graphical payment representation. • 7 bonus calculators for credit cards, depreciation, & rental property evaluation • Apple Watch simple loan calc • Sync saved loans between all your Apple devices • Full featured with ad support Download today and give it a try! We are always looking to improve our product, so feel free to reach out with comments and suggestions. Auto Renewable Subscriptions: Monthly Pass subscriptions allow for unlimited saved loan entries, access to the additional finance tools tab, and an Ad free experience (iOS devices). You will be charged through your App Store account. A Yearly Pass is also available at a discounted rate as compared to the monthly rate. Subscriptions help support the app team, and allow us to continue to provide updates and new features. Subscriptions will automatically renew unless cancelled within 24-hours before the end of the current period. You can cancel anytime within your iTunes account settings. Any unused portion of a free trial (if applicable) will be forfeited if you purchase a subscription. Terms and Conditions (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ Privacy Policy: https://www.chuchutrain.com/privacy-policy.html
Overview
These loan calculator apps stand out for their accuracy, user-friendly interfaces, and advanced features that simplify debt management and financial planning.
Ideal for individuals managing loans, mortgages, or student debt, these apps help users make informed decisions and track payoff progress.
We evaluated based on ease of use, feature set, accuracy, user reviews, and value for money.
Why Loan Calculator - Loan2Me by Jeffrey Williams is Our #1 Pick
Key Reasons:
Highest user rating of 4.83303/5
Comprehensive features including pro input screens
Free with no hidden costs
Standout Features:
Multiple input screens for detailed calculations
Quick payment calculations
User-friendly interface
"Users praise its accuracy and ease of use for various loan types."
- What users love most
Our Recommendations
Best Overall
Loan Calculator - Loan2Me by Jeffrey Williams
It offers the highest rating, comprehensive features for free, and is reliable for various loan types.
💚 Best Free
Loan Calculator‰ by Tim O's Studios, LLC
Completely free with no ads, simple, and highly effective for basic calculations.
💎 Best Premium
N/A (all apps in list are free)
No paid apps in this collection; all options are free, so focus on the best free choices.
Easiest to Use
Loan Calculator‰ by Tim O's Studios, LLC
Its minimalist design and straightforward input make it ideal for beginners.
Most Innovative
Debt Snowball - Payoff Planner by Polybit Studio Pty Ltd
Incorporates expert-recommended algorithms for optimized debt reduction, standing out in strategy.
The 11 Best loan calculator Apps
Loan Calculator - Loan2Me by Jeffrey Williams
Pros:
- High accuracy in calculations
- Easy to use interface
- No ads or in-app purchases
Cons:
- Limited customization options
- No offline mode
A top-rated app offering comprehensive loan calculations with pro features for free.
Loan Calculator‰ by Tim O's Studios, LLC
Pros:
- Very easy to use
- Fast calculations
- Minimalist design
Cons:
- Lacks advanced features
- No debt tracking
An extremely simple and effective app for basic loan calculations with a near-perfect rating.
Debt Snowball - Payoff Planner by Polybit Studio Pty Ltd
Pros:
- Expert-recommended strategies
- Customizable payment plans
- Motivational tracking
Cons:
- Can be overwhelming for beginners
- Requires manual debt entry
Specializes in debt payoff strategies like snowball and avalanche methods for faster debt freedom.
Debt Payoff Planner & Tracker by OxbowSoft LLC
Pros:
- Simple and intuitive
- Detailed payoff schedules
- Encouraging notifications
Cons:
- Limited to debt payoff only
- No loan origination features
Provides a step-by-step plan to tackle debt, reducing overwhelm with clear actions.
Loan Calculator - Debt Payoff by ChuChu Train Productions
Pros:
- Intuitive design
- Accurate calculations
- Large user base with positive feedback
Cons:
- Ads may be intrusive
- Not specialized for specific debt types
A powerful tool for assessing loans and mortgages with a high user rating and extensive reviews.
Percentage Calculator: Percent by Applorium Ltd
Pros:
- Versatile for multiple calculations
- Fast and efficient
- Clean interface
Cons:
- Not dedicated to loans
- May lack loan-specific features
Offers a variety of percentage calculations, useful for loan-related math but not focused solely on loans.
Student Debt & Loan Calculator by ChuChu Train Productions
Pros:
- Student-focused features
- Helpful for graduates
- Easy to understand
Cons:
- Lower rating indicates some issues
- Limited to student debt
Tailored for student loans, addressing the unique challenges graduates face with debt.
Loan,Mortgage ,Tip Calculator by Blue Sodium Corp
Pros:
- Multiple calculators in one
- Long-standing app with updates
- Useful for various needs
Cons:
- Lower accuracy reported
- Cluttered interface
A multi-calculator app that includes loan and mortgage tools, but with a middling rating.
Debt & Loan Calculator - Pay Off Debts and Loans by Catrnja Dev
Pros:
- Automatic time calculations
- Simple debt management
- Free to use
Cons:
- Poor user experience
- Inaccurate calculations reported
- Buggy interface
Uses the debt snowball method but has a very low rating, indicating significant problems.
Loan Calculator: Payoff Debt by SK Studios Ltd
Pros:
- Simple for repayment calculations
- Free and ad-supported
- Easy input
Cons:
- Low accuracy
- User complaints about functionality
- Limited features
A basic app for loan repayments, but with a low rating suggesting it may not be reliable.
Car Loan Calculator Tools by AppNextDoor Labs
Pros:
- Offline functionality
- Car-specific calculations
- No internet required
Cons:
- Inaccurate results
- Poor design
- User dissatisfaction
Designed for car loans with offline capability, but very low rating indicates issues.
Comparison Insights
Key Differences
Apps vary from basic calculators to advanced planners with snowball methods; some are niche like student or car loans, others are general-purpose.
How to Choose
Consider ease of use, feature set, accuracy from reviews, and whether it matches your debt type (e.g., mortgage vs. student loan).
Common Limitations
Most apps cannot handle complex financial scenarios or integrate with bank accounts; they rely on manual input and may lack customization.
Emerging Trends
Increased use of AI for personalized advice, better UI/UX designs, and integration with financial platforms for real-time data.
Key Insights
Top-rated apps focus on simplicity and accuracy; lower-rated ones often have bugs. Debt-specific apps excel in payoff strategies, while general calculators offer versatility. User reviews are crucial for reliability.
Buying Guide
Essential Features
- •Accurate loan payment calculations
- •User-friendly interface
- •Debt payoff tracking
Nice to Have
- •Offline functionality
- •Customizable reports
- •Integration with other apps
⚠️ Red Flags
- •Low user ratings
- •Reports of inaccuracies
- •Excessive ads or hidden costs
Pricing Expectations
Most apps are free with ads; expect basic functionality without payment, and avoid apps with poor reviews.
Frequently Asked Questions
What is the most important feature in a loan calculator app?
Accuracy in calculations and ease of use are critical to ensure reliable financial planning.
How do I choose between free and paid loan calculator apps?
Stick with free apps from this list, as they offer good value; paid options are rare and not necessary for basic needs.
Is there a steep learning curve for these apps?
No, most are designed to be intuitive; start with simpler apps like Loan Calculator‰ if you're new to this.
Conclusion
The best loan calculator apps for iOS in 2025 provide accurate, user-friendly tools for managing debt, with top picks excelling in features and reliability.
After careful comparison, the key differentiators in this category are: Apps vary from basic calculators to advanced planners with snowball methods; some are niche like student or car loans, others are general-purpose.
Our Final Recommendation
Choose Loan Calculator - Loan2Me for overall best, or Debt Snowball for specialized payoff strategies, based on your specific needs.
What We're Hoping to See in the Future
Expect more AI integration and personalized features in future updates, enhancing debt management capabilities.
Current Trends: Increased use of AI for personalized advice, better UI/UX designs, and integration with financial platforms for real-time data.