Amortize - loan payoff planner

Amortize shows you the true cost of your loans — and how to beat it.

Enter your loan details once and instantly see your monthly payment, total interest, and payoff date. Then experiment: add an extra $200 a month and watch years — and thousands in interest — disappear from your payoff timeline.

COMPARE SCENARIOS Save and compare multiple loans side by side: refinancing options, 15-year vs. 30-year terms, or different down payments. Every calculation is kept as a timestamped history, newest first.

SEE YOUR PROGRESS A clear principal-vs-interest breakdown, a year-by-year payoff ladder, and a visual timeline of your balance shrinking to zero.

PRIVATE BY DESIGN Amortize works 100% offline. No accounts, no sign-up, no tracking, no ads. Your financial details never leave your device.

Whether you're planning a mortgage, financing a car, or tackling debt, Amortize turns "what if?" into a concrete plan to be debt-free sooner.

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