True Cost of a Loan Calculator
Vergelijk leningen op wat ze echt kosten, alle kosten inbegrepen.
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.
Probeer het hier
Een live demo met een verzonnen voorbeeld. Niets wat je hier typt, wordt bewaard of verstuurd.
Wat het doet
De productdetails zijn in het Engels.
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.
Hoe het werkt
- 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.
Wat je krijgt
- 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
Goed om te weten
- 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.
Van dichterbij
De afbeeldingen tonen de Engelse versie van de bestanden.
Koop het op Etsy en download de bestanden meteen.