ローンのコンパス

Name: ローンのコンパス
Author: bowya apps

Android app by bowya apps. Finance · bowya apps

Store rating: Unknown
Store rating count: Unknown
Download price: Free to download
In-app purchases: Not listed in captured metadata
Version: 1.0.0
Listing last refreshed: 2026-09-16

Store description excerpt

Loan Compass is a continuous tracking app for those with variable-rate loans. "How much will my monthly payments be if interest rates rise?" "Is it actually decreasing?" "What should I do now?" — This app answers the anxieties that arise every time interest rates rise, not with generalities, but with calculations based on your specific loan. ■ Preparing by seeing where interest rates are headed Simply move the slider for the rate of increase to instantly see: ・Your revised monthly payment amount (an increase of +◯ yen) ・The total interest paid by the time of full repayment ・The principal remaining at the final payment This app translates the news about "interest rate increases" into yen amounts that fit your household budget. ■ Understanding your maximum interest rate limit ・Household limit: Enter "I can pay up to ◯ yen per month," and the app will calculate the interest rate at which that limit is reached. ・Unpaid interest line: The interest rate at which monthly payments do not reach the interest, and the principal stops decreasing. The safety gauge on the home screen constantly displays "Current interest rate" and "Maximum interest rate limit." Knowing "up to +X% is okay" eliminates unnecessary anxiety. ■ Anticipating the 5-Year Rule Review Predicts the timing of the next repayment amount review and the expected repayment amount after the review (considering the 125% limit). Knowing "X yen more than now after the review" in advance allows you to prepare both mentally and financially. Also compatible with banks without a 5-year rule (such as Sony Bank and SBI Shinsei Bank, which use instant reflection). ■ Catching Up with Principal-Equal Payments Through Early Repayment With principal and interest equal payments, the principal decreases slowly in the early stages, and this slows down even further as interest rates rise. The difference with "the balance of someone who borrowed on the same day using principal-equal payments" = how much you need to repay early to catch up is constantly displayed. The breakdown of the difference (difference in method / impact of rising interest rates) is also shown. For those who chose principal-equal payments, it shows "how far ahead you are than with principal and interest equal payments"—you can see the results of paying extra each month. ■ Is it really decreasing? This is shown in a graph. The balance trend is compared across three lines: "Your Balance / Equal Principal Payments / Interest Rate at Contract." You can also zoom in by pinching. Simply occasionally transferring your balance from your banking app will overlay it as a real-time point on the graph, and changes in interest rates and balances will be automatically recorded in the history. ■ Early Warning of Risks • Unpaid Interest Risk (Repayments not covering interest) • Expected Principal Remaining at the Final Payment (Lump-Sum Repayment Risk) An alert will warn you when these conditions are approaching. Interest rate checks are also quietl

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