Powerful Features

Everything you need to make informed financial decisions, all in one comprehensive app.

4 Repayment Methods

Choose from Equal Payment, Equal Principal, Interest-Only, or Balloon Payment methods. Get accurate calculations for any loan type with flexible repayment options.

Mortgage PITI Calculator

Complete US mortgage calculator with Principal, Interest, Property Tax, Home Insurance, and HOA fees. See your true monthly housing cost at a glance.

APR Estimator

Reverse-calculate APR from your monthly payment, loan amount, and term. Perfect for comparing loan offers and understanding true borrowing costs.

Early Payoff Calculator

See how much interest you'll save with early payments. Calculate the impact of extra payments on your loan term and total interest paid.

Compare Up to 3 Loans

Side-by-side comparison of multiple loan offers. Instantly see which option saves you the most money over the life of the loan.

Complete Amortization Schedule

View detailed month-by-month breakdown of principal, interest, and remaining balance. Track your loan progress with precision.

Export to PDF & Excel

Export your amortization schedule to PDF for printing or Excel for detailed analysis. Share with financial advisors or keep for your records.

Calendar Integration

Never miss a payment. Add your entire repayment schedule to your device calendar with automatic reminders before each due date.

Save & Track Records

Save unlimited loan calculations. Track repayment progress with visual indicators and quickly access your saved loans anytime.

Share Results

Generate beautiful share cards with your loan summary. Share via social media, email, or messaging apps with one tap.

70+ Languages

Full support for over 70 languages with automatic currency formatting. Use the app in your preferred language with localized number formats.

Dark Mode

Beautiful light and dark themes that automatically adapt to your system preferences. Easy on the eyes, day or night.

How It Works

Get comprehensive loan calculations in three simple steps.

Enter Loan Details

Input your loan amount, term, interest rate, and choose from 4 repayment methods. Add PITI details for mortgages.

View Complete Analysis

See your monthly payment, total interest, complete amortization schedule, and early payoff options instantly.

Save, Compare & Export

Save your calculations, compare multiple loans side-by-side, export to PDF/Excel, or add to your calendar.

Perfect For Every Loan Type

Whether you're buying a home, car, or need a personal loan, we've got you covered.

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Home Mortgages

Calculate your complete monthly housing cost including property tax, insurance, and HOA fees with our PITI calculator.

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Auto Loans

Compare car loan offers with different terms and rates. See how much you'll pay over the life of your auto loan.

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Student Loans

Plan your student loan repayment with multiple payment methods. Calculate how early payments can save you thousands.

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Personal Loans

Evaluate personal loan offers from different lenders. Choose the best repayment method for your financial situation.

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Business Loans

Calculate business loan payments and compare financing options. Plan your cash flow with accurate amortization schedules.

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Refinancing

Compare your current loan with refinancing options. See exactly how much you'll save with a lower interest rate.

Why Choose Bear Loan Calculator

The most comprehensive and user-friendly loan calculator app available.

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Most Accurate Calculations

Industry-standard algorithms ensure precise calculations for all loan types and repayment methods.

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Completely Free to Use

All core features are free forever. Optional premium features for power users who need unlimited calculations.

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Privacy First

Your financial data stays on your device. We don't collect or share your personal loan information.

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Works Offline

Calculate loans anytime, anywhere. No internet connection required for core functionality.

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Regular Updates

We continuously improve the app with new features and enhancements based on user feedback.

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Professional Support

Responsive customer support team ready to help with any questions or issues you may have.

Know Your Loan Before You Sign