Classic Loan Calculator 2

Stefano Bergamini

Classic Loan Calculator is now a unified macOS and iOS experience with iCloud sync. Build and compare loans in seconds: enter your principal, interest rate, and term to get a full amortization schedule with a clean, liquid-glass interface. Go deeper with side-by-side comparisons, a spare-cash optimizer to see whether investing or paying down debt saves more. All calculations stay in sync across your devices via iCloud, with robust import/export for backups. Highlights: Instant payments and full amortization schedules with interest vs. principal breakdowns. Loan comparison: baseline vs. selected loans, delta coloring, and CSV export. New Spare Cash Optimizer modes: Minimize total interest. Minimize monthly payments. Find the best strategy automatically. paydown vs. invest scenarios, break-even insights, grouped results, CSV export. Multi-currency with seeded rates, manual refresh, and per-loan currency selection. Flexible interest: fixed, manual steps, or periodic cadences (monthly/quarterly/semestral/annual). Partial paydowns: occasional and recurring, plus custom start dates. Number-format settings: grouping/decimals applied across UI and exports. iCloud sync between MacOS, iPhone and iPad. JSON import/export with security-scoped access for backups or migration. Fully localized UI (14+ languages) and modern liquid-glass visuals.