GoLoanly Get the app

Go overpay your loan. Save thousands.

GoLoanly shows what your mortgage, car loan or any loan really costs, and how much time and interest a little extra each month saves you.

Download on theApp Store Get it onGoogle Play

Free to use. The calculator works offline, no account needed.

GoLoanly plan summary for a £245,000 mortgage: £1,332.75 a month, with principal and total interest shown in a ring chart.
£44,493 interest saved
4 years sooner debt-free
Example: £245,000 mortgage at 4.29%, overpaying £200 a month.

Watch the finish line move

Every plan shows two schedules: the one your lender gave you, and the one you get by paying a little extra. The gap between them is interest you never pay.

Try a few pounds more a month, a yearly lump sum or an early settlement, and see the new payoff date straight away.

Example: a £180,000 loan at 4.9% over 25 years

Loan balance over time, with and without extra payments On the bank’s schedule the balance reaches zero at year 25. With £150 a month extra it reaches zero at year 19 and 8 months, clearing £32,074 less interest. paid off 5 yrs early Year 0 Year 25
  • Bank’s schedule
  • With £150/month extra
£32,074 less interest paid
5 yrs 4 mos off the term

Your loan is not this loan. GoLoanly runs the exact figures for yours.

Add a loan in three short steps

  1. Basics

    Name the loan and pick its currency: pounds, euros or dollars.

  2. Amount & rate

    Loan amount, interest rate and term. Fixed, or fixed then variable.

  3. Schedule & extras

    Payments already made, and any overpayments you plan to make.

Or skip the typing: import your lender's payment schedule as a CSV file, or let the AI read the figures from your loan statement PDF.

Ask the AI Coach

Not sure where to start? Tell the Coach what you can spare and ask about any plan. It suggests strategies that fit your budget.

GoLoanly then works out every figure itself, so the interest saved and the new payoff date always add up.

Everything about your loans, in one place

  • Overpayment strategies

    A bit more each month, a yearly or one-off lump sum, or an early settlement. Each one against minimum payments.

  • Compare plans

    Payoff date, time saved and interest saved, side by side.

  • Portfolio

    All your loans in one picture: total monthly payments and one debt-free date.

  • Import in seconds

    From a CSV payment schedule, or let AI read your loan statement PDF.

  • Full schedule & export

    Every payment, month by month. Export plans as PDF or Excel with Plus.

  • Private by design

    The calculator works offline with no account. Your loan details are never shared or sold.

Works in pounds, euros and US dollars, with each plan in its own currency.

Free to start. Plus when you want more.

Free

  • The loan calculator, offline, with no account
  • With a free account: up to 5 loan plans with 3 strategies each
  • Cloud backup and sync across your devices
  • 5 AI Coach questions a month
  • 2 PDF imports

GoLoanly Plus

Everything in Free, plus:

  • Unlimited loan plans and strategies
  • Unlimited AI Coach questions
  • Unlimited PDF imports
  • Export plans and comparisons as PDF or Excel
  • A monthly AI review of your progress, by email

Monthly or yearly subscription through the App Store or Google Play. Cancel any time.

Get GoLoanly

For iPhone, iPad, and Android phones and tablets.

Download on theApp Store Get it onGoogle Play