Loan-Wise.net

Cut years off your loan and save thousands in interest.

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📉 Save on interest
⏳ Pay off faster
⚡ Instant results

Why use Loan-Wise.net?

Transparent interest math

See exactly how extra monthly payments change your total interest and payoff date.

Try scenarios in seconds

Adjust loan amount, rate, term, and extra payment to compare different strategies.

No bank logins required

We don’t ask for account credentials—just the numbers you choose to test.

Free to use

Fast, simple, and free—built to help you make smarter money moves.

How it works

Click Start Your Free Analysis and enter your name + email.
On the analyzer page, input your loan details and an optional extra payment.
See your interest saved and time saved instantly.

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loan-wise.net — This is an example tool assisting with money management. Results are estimates and not financial advice.

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What you get Free

Quick Analyzer (time to payoff & total interest)
AI payoff assistant (+extra payment scenarios)
Progress snapshots
Payment reminder (.ics calendar)

Welcome, friend ð

Loan Analyzer

Current Balance ($)

Interest Rate (%)

Monthly Payment ($)

Extra payment per month ($)

Amortization (first 12 months)

Month	Payment	Interest	Principal	Balance

AI Payoff Assistant

Run an analysis to see your tailored suggestions.

Tools

Payment reminders

Loan-Wise.net provides educational tools only. Results are estimates and not financial advice. Always confirm figures with your lender and consider fees, compounding and your personal situation.

Months to payoff: ${base.months} (${years(base.months)} yrs)

Total interest: $${base.interest.toFixed(2)}

Payoff date: ${payoffDate(base.months)}

With +$${X}/mo

New months: ${plus.months} (saves ${savedMonths} months)

Interest saved: $${savedInterest.toFixed(2)}

New payoff date: ${payoffDate(plus.months)}

Estimates. Actuals vary with compounding/fees.

`; // Coaching tips const tips=[]; if(X>=25) tips.push(`Great! Adding $${X}/mo cuts ${savedMonths} months and saves ~$${savedInterest.toFixed(0)}.`); else tips.push(`Try adding at least $25â$50/mo. Small boosts compound into big time savings.`); if(r>0 && A > P*r*1.25) tips.push(`Your payment comfortably beats monthly interest; keep the momentum.`); if(r>0 && A <= P*r*1.25) tips.push(`Edge your payment higher so more goes to principal each month.`); tips.push(`Use "avalanche": always send any extra to the highest APR debt first.`); tips.push(`Ask your servicer about autopay/loyalty APR reductions; compare credit unions for lower rates.`); coach.innerHTML = tips.map(t=>`â¢ ${t}`).join('
'); } byId('lw-analyzeBtn').addEventListener('click', analyze); // Snapshots byId('lw-saveSnap').addEventListener('click', ()=>{ const snaps = JSON.parse(storage.get('lw_snaps')||'[]'); const item = { ts:Date.now(), bal: parseFloat(balEl.value||0) }; snaps.push(item); try{ storage.set('lw_snaps', JSON.stringify(snaps)); }catch(_){} const msg = `Saved: $${item.bal.toLocaleString()} on ${new Date(item.ts).toLocaleDateString()}`; byId('lw-snapMsg').textContent = msg; setTimeout(()=> byId('lw-snapMsg').textContent='', 3500); }); // Calendar .ics function pad2(n){ return String(n).padStart(2,'0'); } function dl(name,content,type='text/calendar'){ const blob=new Blob([content],{type}); const url=URL.createObjectURL(blob); const a=document.createElement('a'); a.href=url; a.download=name; a.click(); URL.revokeObjectURL(url); } byId('lw-makeIcs').addEventListener('click', ()=>{ const day = parseInt(byId('lw-dueDay').value||0,10); const before = parseInt(byId('lw-daysBefore').value||0,10); if(!day || day<1 || day>28){ byId('lw-icsMsg').textContent='Choose a due day (1â28).'; return; } const now=new Date(); let y=now.getFullYear(), m=now.getMonth()+1; if(now.getDate()>day){ m++; if(m>12){m=1;y++;} } const dt=new Date(y,m-1,day); dt.setDate(dt.getDate()-Math.max(0,before)); const DTSTART = dt.getUTCFullYear()+pad2(dt.getUTCMonth()+1)+pad2(dt.getUTCDate()); const UID='loanwise-'+Date.now()+'@loan-wise.net'; const ics=`BEGIN:VCALENDAR VERSION:2.0 PRODID:-//Loan-Wise.net//EN BEGIN:VEVENT UID:${UID} DTSTAMP:${DTSTART}T090000Z DTSTART;VALUE=DATE:${DTSTART} RRULE:FREQ=MONTHLY;BYMONTHDAY=${Math.max(1,day-before)} SUMMARY:Loan payment reminder DESCRIPTION:Set from Loan-Wise.net END:VEVENT END:VCALENDAR`.replace(/\n/g,"\r\n"); dl('loan-reminder.ics', ics); byId('lw-icsMsg').textContent='ICS downloaded. Import into your calendar.'; setTimeout(()=>byId('lw-icsMsg').textContent='', 4000); }); })();