IntresTools
Free, on-device finance toolkit. Calculate monthly loan payments and amortization, compare two loans, test refinance break-even, borrow within an 80% LTV cap, and model investment growth — all offline.
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Description
IntresTools helps you plan smarter money moves—free and offline.
Calculate monthly loan payments and full amortization, compare two loans side-by-side, test refinance savings and break-even, preview home-equity payments within an 80% LTV cap, and model investment growth with or without reinvesting interest. Everything runs on your device—no accounts, no tracking.
What you can do
- Loan: monthly payment, principal vs interest, full schedule
- Compare: A/B loans with monthly cost, total interest & balance curves
- Refinance: break-even rate, fees, and monthly change
- Home Equity: keep ≥20% equity (80% LTV cap), see combined payments
- Investment: contributions vs interest, reinvest toggle & charts
Privacy & trust
All calculations run locally on your device. We don’t collect personal data.
Disclaimer
Results are estimates for education and planning and aren’t financial advice. Check terms with your lender or advisor.
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