The LoanLab

The last loan calculator app you'll ever need. Know exactly what any loan will cost you, and how you can expect payments and commitments to change based on every scenario. App is enabled to run in almost every country based on their unique market, regulatory, and currency characteristics.

LoanLab is the loan calculator and planner built for people who want to make smarter borrowing decisions. Whether you're exploring a home mortgage, pricing out a personal loan, or running the numbers on a business loan, LoanLab gives you the full picture: monthly payment, total interest, and a complete amortization schedule — calculated instantly, stored on your device. Combine loans into one scenario to give you a complete picture. For example, say you want to purchase land and build your own home. Add a land loan, and a construction loan together to see what your effective monthly cost could be. LoanLab uses real time market data to give you useable rates & terms on the top 25 most common loans including personal, home, and business. Add in your other monthly expenses to get the most clear picture available anywhere! Save and compare scenarios after creation.

No account required. No data leaves your phone. Just clear, accurate loan math whenever you need it.

PLAN YOUR FULL FINANCIAL PICTURE

Most loan calculators stop at the monthly payment. LoanLab goes further. Build a portfolio of saved loans and add your recurring expenses to see your true total monthly commitment — so you know what you can actually afford before you borrow.

Save, load, compare, and duplicate portfolio scenarios across sessions. Planning a home purchase while carrying a car loan and existing personal debt? LoanLab holds it all, persistently, launch after launch. For example, say you want to purchase land and build your own home. Add a land loan, and a construction loan together to see what your effective monthly cost could be.

ACCELERATE YOUR PAYOFF

The Payoff Accelerator shows you exactly what happens when you pay a little extra. Model additional monthly contributions, a one-time lump sum, or both — and see the real impact in months saved and interest avoided. Small extra payments can mean thousands of dollars back in your pocket, and now you'll know precisely how much.

COMPARE LOANS SIDE BY SIDE

Not all loans are created equal. LoanLab's comparison tool lets you evaluate two to four loan scenarios simultaneously, with best-value highlighting that makes the right choice obvious. Different lenders, different terms, different rates — assessed in seconds, not spreadsheets.

LEARN WITH AI-POWERED EDUCATION

Have questions about current rates, loan terms, or how lending actually works? The Learn tab delivers AI-powered answers grounded in current, web-sourced data — so you're getting timely, relevant information, not outdated generalizations. Suggested questions adapt to your recent loan searches and saves, keeping the education contextual and genuinely useful.

LoanLab is an educational planning tool, not a financial advisor. Nothing in the app constitutes financial advice. For decisions that matter, always consult a qualified financial professional.

Ready to see the real cost of any loan? Download LoanLab and start planning with confidence.