True Cost of a Loan Calculator
Comparez les prêts selon leur vrai coût, tous frais compris.
Loan comparison calculator by Envelo LoanDuel: two loan offers side by side, with every fee counted.
A lower monthly payment is not always the cheaper loan. LoanDuel shows what each offer really costs you – interest plus every fee – the true yearly rate with the fees included, and what changes if you repay early.
Essayez ici
Une démo en direct avec un exemple inventé. Rien de ce que vous saisissez ici n’est enregistré ni envoyé.
Ce qu’il fait
Les détails du produit sont en anglais.
What you can do
- Enter two offers: amount, yearly rate (0% is fine), term in months
- Count every fee: a one-time fee as an amount or a %, paid up front, taken from the loan or added to it, plus a monthly fee
- Add an extra monthly payment and an early repayment fee
- See for each offer the money you receive, the monthly payment, interest, fees, the total you pay, the true cost and the true yearly rate
- Compare over the whole term and if you repay everything after the month you choose
- What if: the rate 1 or 2 points lower or higher, the amount 20% lower or higher, and the rate at which the two offers cost the same
- Full month-by-month schedules, CSV downloads, print a comparison, backup and restore
Example inside
A made-up car loan at 7.49% with a 250 fee against a dealer "0%" offer with a 3.5% fee added to the loan and 5 a month: the dealer offer really costs 2.33% a year – and is still the cheaper one.
Comment ça marche
- Download the ZIP from Etsy after checkout.
- Unzip and open Envelo-LoanDuel.html in your web browser. Look at the filled example, then press My numbers.
- Fill in Offer A and Offer B. The comparison updates as you type and saves in your browser.
Ce que vous recevez
- START-HERE.pdf (0.12 MB)
- Envelo-LoanDuel-v1.0.zip (1.77 MB)
Inside the ZIP:
- Envelo-LoanDuel.html: the app, opens in your browser by double click and works offline, 11 languages
- Envelo-LoanDuel.xlsx: spreadsheet edition with a 10-language switch – both offers, the answer and both full schedules
- Envelo-LoanDuel-Arabic.xlsx: the same spreadsheet in Arabic, right to left
- examples/: the filled example as a backup file
- START-HERE/: the guide in 11 languages
- LICENSES.txt and WHAT_YOU_GET.txt
Bon à savoir
- This is a digital download. Nothing is shipped.
- No subscription and no account. The app runs on your device and uploads nothing.
- LoanDuel compares the numbers you enter. It is not financial, legal or tax advice. Lenders may round or count some fees differently – check the final terms with each lender.
- Your numbers do not sync between devices; move them with the backup file.
- For your own use. Please don't resell or share the files.
- The app, its logo, the texts and the translations were made as code with the help of an AI coding assistant. No AI image generators were used.
De plus près
Les images montrent la version anglaise des fichiers.
Achetez-le sur Etsy et téléchargez les fichiers tout de suite.