About Simuloan

Simuloan is a free loan simulation tool built for homeowners, first-time buyers, and anyone managing debt. Unlike basic calculators that show a single number, Simuloan lets you run what-if scenarios — testing how extra payments, rate changes, and prepayment strategies affect your loan over time.

All calculations run entirely in your browser. We don't collect, store, or transmit any of your financial data. There's no signup, no email capture, and no lead generation. The tool is free to use and supported by advertising.

Simuloan is built with accuracy in mind. The calculation engine uses the standard reducing-balance amortization formula used by lenders worldwide. The engine is open-source and available as an npm package for developers who want to build their own tools.

We believe everyone deserves access to honest financial math without conditions.