Smart Loan Analyzer
Free EMI, mortgage, biweekly, and refinance calculators
Smart Loan Analyzer is a free, no-signup loan calculator suite covering mortgage, home, biweekly mortgage, personal, car, auto, student, and refinance loans. Every calculator works in 17 currencies, shows the full amortization schedule, and pairs with a long-form written guide explaining the math and trade-offs.
Built because every "free" loan calculator I tried either gated the results behind email signup, hid the amortization schedule behind a premium tier, or showed a single number with no explanation of how it got there. This is the tool I wished existed and funded by display ads only, never by paywalls or signup walls.
Features
- 8 specialized calculators: mortgage, home loan, biweekly mortgage, personal, car, auto, student, refinance
- Side-by-side comparison of up to 3 loan offers (rate, term, principal can all differ)
- Prepayment simulator showing exact interest saved and months removed from tenure
- Affordability checker based on monthly income and configurable EMI-to-income ratio
- Refinance break-even analyzer with closing-cost amortization
- Full month-by-month amortization schedule for every calculation
- 17 supported currencies (USD, EUR, GBP, INR, AUD, CAD, JPY, and more)
- Shareable URLs — every calculation persists in URL params and is bookmarkable
- In-depth written guide on each calculator page explaining the math, factors, and common mistakes
- Mobile-first responsive design
- No signup, no email gating, no premium tier, no paywalls
- Built with Next.js 16, TypeScript, Tailwind CSS v4, deployed on Vercel
Use Cases
- First-time home buyers comparing 15 vs 30-year mortgages and modeling different down payment amounts
- Existing homeowners evaluating whether to refinance — clear break-even-month math instead of vague "save thousands" claims
- Borrowers exploring biweekly mortgage payments to see exact interest saved and the new payoff date
- Personal loan shoppers comparing 2-3 lender offers side by side (APR vs headline rate distinction included)
- Car and auto buyers modeling down payment impact, tenure trade-offs, and the total lifetime cost
- Student loan borrowers comparing federal vs private repayment plans and IDR/PSLF implications
- Self-employed and international users who need calculators that work in any currency without workarounds
- Personal finance bloggers and educators embedding scenarios into their content via shareable URLs
Comments
Hey makers, Chandima here 👋 Built Smart Loan Analyzer because I was looking for a good biweekly mortgage calculator and a refinance break-even tool for my own finances, and every free option I tried either gated the results behind email signup, hid the amortization schedule behind a paywall, or showed a single number with no explanation of how it got there. It started as one biweekly calculator for myself. Then I realized the same problem existed for every loan type. Car loans, student loans, refinancing, all had the same "free but actually crippled" pattern. So I built the rest. 8 specialized calculators now, each paired with an in-depth guide explaining how the math actually works. Stack: Next.js 16, TypeScript, Tailwind v4, deployed on Vercel. Built mostly with Claude Code over a few weeks of evenings. Funded by display ads only and no paid tier ever planned. That would defeat the point. Open to all feedback: bugs, math edge cases I've missed, features you'd actually use. Drop a comment or email me at [email protected]. Thanks for the boost! 🚀
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Comments
Hey makers, Chandima here 👋 Built Smart Loan Analyzer because I was looking for a good biweekly mortgage calculator and a refinance break-even tool for my own finances, and every free option I tried either gated the results behind email signup, hid the amortization schedule behind a paywall, or showed a single number with no explanation of how it got there. It started as one biweekly calculator for myself. Then I realized the same problem existed for every loan type. Car loans, student loans, refinancing, all had the same "free but actually crippled" pattern. So I built the rest. 8 specialized calculators now, each paired with an in-depth guide explaining how the math actually works. Stack: Next.js 16, TypeScript, Tailwind v4, deployed on Vercel. Built mostly with Claude Code over a few weeks of evenings. Funded by display ads only and no paid tier ever planned. That would defeat the point. Open to all feedback: bugs, math edge cases I've missed, features you'd actually use. Drop a comment or email me at [email protected]. Thanks for the boost! 🚀
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