ローンのミカタ 住宅ローン・リボ・複利計算

■ Calculate everything about your loans!

"Loan Ally" is a calculator app that lets you easily estimate mortgage payments, revolving credit, and compound interest payments all in one place. Use it for simulations before visiting a financial institution, for considering refinancing, and for reviewing your household budget. No ads, no registration required, and data is stored only on your device.

■ Mortgage Calculation (The core function of this app)

* Supports both equal principal and interest payments
* Allows setting interest rate changes in multiple stages on a monthly basis, such as "from year X month Y, by Y%"
* Supports the 5-year rule and 125% rule for variable interest rates (also displays the accrual of unpaid interest)
* Bonus payments (freely select the payment month)
* Allows setting up accelerated payments any number of times, either for shortening the payment period or reducing the payment amount
* Displays the total payment amount including miscellaneous expenses, total interest, completion date, and age at completion
* Switch between monthly and annual repayment schedules with a single tap
* Automatically displays graphs of annual repayment amounts, the trend of principal balance and cumulative interest, and the principal/interest ratio

■ Loan Comparison

Save three loans with different conditions (A/B/C) and compare them side-by-side using balance trend graphs and comparison tables. You can see at a glance "which is better, fixed or variable" and "what is the effect of accelerated repayment."

■ Saving Customer Data (Added in v1.1.0)

You can save all your input data to your device with a name. This includes all loan A/B/C conditions, estimated loan amount, revolving payment options, and compound interest calculations. Next time, simply tap your name to resume from where you left off.

• Save with Name and Memo (Example: Bank A, Variable 0.5% Proposal)

• Saved data can be retrieved with a single tap from the list. You can also filter searches by name and memo.

• Overwrite/Save as a Different Customer (Allows you to keep proposals with different conditions)

• If you change conditions after saving, an "Unsaved Changes" message will appear, preventing you from forgetting to save.

• Saved data is stored only on your device and is never sent externally.


■ Document Output (A4 Print/PDF)

You can print or save as a PDF an A4 repayment plan summarizing repayment conditions, graphs, and repayment schedule directly from your device. CSV output (Excel compatible) is also supported, allowing you to manage your finances in your own household budget or spreadsheet.

■ Residual Value Loan (Residual Value Credit) Calculation ※Added in v1.2.0

While residual value loans for cars may seem to have lower monthly payments, interest is charged on the residual value throughout the loan term. This app compares residual value loans with a standard loan under the same conditions, showing the difference in monthly payments, total payments, and interest.

・Simply enter the vehicle price, down payment/trade-in value, interest rate, payment period, and residual value (rate or amount).

・A comparison table with a standard loan lets you see at a glance "how much cheaper the monthly payments are and how much more expensive the total amount will be."

・A comparison table also shows the differences depending on the final payment option (return/pay residual value in a lump sum and buy/refinance the residual value).

・Includes a detailed payment breakdown and balance trend graph for all payments.

■ Revolving Credit Simulator

Simply enter the revolving credit balance, interest rate, and monthly payment amount to calculate the number of payments until full repayment and the total interest. It also detects and warns you if your balance "never decreases" due to new monthly usage.


■ Compound Interest Calculation (Savings Simulator)

Calculates your future asset amount using compound interest based on your initial amount, monthly savings, and assumed return. You can view a graph showing the breakdown of your principal and investment gains.

■ Estimated Loan Amount

Calculates an estimated loan amount based on your annual income and debt-to-income ratio, or your desired monthly repayment amount.

■ Safe and Secure Use

• No advertisements are displayed.
• No registration or login required.
• Input data is stored only on your device and is not transmitted externally.
• Works offline.

* The calculation results are estimates, and calculation methods and rounding vary by financial institution. Please check with each financial institution for actual loan and repayment conditions. This app does not solicit or recommend any specific financial products.