Payment & APR
Monthly payment, total repayment, overpayment and APR/total cost, with zero-rate handling built in.
LOAN CALCULATOR SMARTPROUnderstand the
Understand the
true cost of a loan.
Payments, APR, amortization, real-world costs and early repayment — brought together in one focused financial tool.
iPhoneiPadMacApple Watch
LOAN ANALYSISAPR · Cost · Schedule
EARLY REPAYMENTSee your savings
4Apple platforms
2Calculation directions
30Days in deleted history
1Complete loan toolkit
CORE CALCULATIONS
Go beyond the payment.
Start with a fast annuity calculation, then inspect the numbers that determine the real borrowing cost.
Amortization
A detailed payment-by-payment view of principal, interest, remaining balance and additional costs.
Find the rate
Enter loan amount, term and known monthly payment. SMARTPRO determines the corresponding annual rate.
Total loan cost
Review interest, fees, insurance, taxes, other expenses and the complete cost structure.
VISUAL ANALYSIS
See the loan, not just the result.
Charts show how principal, interest, fees and insurance change through the life of the loan. The complete amortization table remains available when you need the detail.
Payment structureRemaining balanceCentral bank comparisonFull payment schedule
ADVANCED CALCULATOR
Model the costs banks add around the loan.
Designed for mortgage, car and other credit scenarios where the headline interest rate is only part of the picture.
Mortgage & car financing
Asset value, loan amount and down payment stay connected. Enter the down payment as an amount or percentage.
Fees & commissions
One-time and monthly fees, fixed or percentage-based, including capitalized fees and balance-based commissions.
Insurance
One-time, annual or monthly insurance calculated from the loan, asset value or remaining balance.
Taxes & other costs
Add taxes, notary fees and other expenses as fixed amounts or percentages of the loan or asset value.
EARLY REPAYMENT
Know what an extra payment changes.
Add one or multiple prepayments — or a recurring monthly extra amount — and compare reducing the term with reducing the payment.
New termSee months saved
New paymentCompare cash flow
Interest savingsMeasure the impact
Total savingsCompare full cost
EARLY REPAYMENT ANALYSIS
Make the trade-off visible.
When the original loan uses an issue date, a dated prepayment can split interest by the actual days before and after the extra payment.
KEEP THE WORK
Save it. Reopen it. Share it.
History & Favorites
Saved inputs let you reopen a calculation in the appropriate calculator and run it again.
PDF & Print
Generate multi-page reports containing inputs, key metrics, analysis, charts and payment schedules.
iCloud Sync
Pro users can synchronize saved calculation data through iCloud when synchronization is enabled.
WHY SMARTPRO
Closer to a real loan than a simple formula.
Many basic calculators stop at a standard monthly annuity formula. SMARTPRO can use actual calendar dates so interest and dated prepayments reflect the number of days money is actually outstanding.
Precision where dates matter.
When date-based calculation is used, interest for a period is based on the outstanding principal, annual rate and the actual number of days in that period. This follows the general daily-accrual approach used by many lending products, although each lender may apply its own day-count convention, rounding and contract rules.
GENERAL DAILY-INTEREST PRINCIPLEInterest ≈ Principal × Annual rate × Days ÷ Days in year
1Real calendar intervals28, 30 and 31-day periods do not have to be treated as identical.
2Dated early repaymentsAn extra payment can change the principal from its actual date, so the following interest reflects the lower balance.
3More useful comparisonsSmall date differences can accumulate over long loans, making a calendar-aware schedule more informative than a purely monthly estimate.
SMARTPRO is an independent calculation tool, not a bank. Exact lender schedules may differ because of contractual conventions, payment processing dates, holidays, rounding, fees and local regulation.
Why choose SMARTPRO?
It combines quick estimation with the tools needed to inspect a loan after the headline monthly payment.
CAPABILITYSMARTPROBASIC CALCULATOR
Monthly paymentYesUsually
Actual calendar datesYesOften no
Dated prepaymentsYesOften no
Fees & insuranceYesLimited
APR / total cost analysisYesLimited
Reverse rate calculationYesOften no
Charts & full scheduleYesVaries
PDF, history & iCloudYesOften no
“Basic calculator” describes simple payment-only calculators generally; it is not a comparison with a specific competing product.
APPLE ECOSYSTEM
One tool across your devices.
Full calculations on iPhone, iPad and Mac. Apple Watch includes a compact payment and reverse-rate calculator.
SMART TOOLS FOR SMART BORROWERS
Calculate with clarity.
From the first estimate to a detailed repayment strategy, SMARTPRO keeps the important loan numbers in one place.
Download on the App Store →