XLoan: Debt Payoff Planner
Know your loan. Own your future.
A loan tracker and calculator in one. See what a loan really costs before you sign, get reminded before every payment, and plan the fastest way to be debt-free.
In review on the App Store, for iPhone and iPad. Free to download when it launches.
What it does
Every loan,
in one place.
Home, car, student, personal and business loans, and credit cards. No bank login, no spreadsheet.
See the real cost
Monthly payment, total interest and every month of the schedule. Fixed or adjustable rates, fees and insurance included.
Never miss a payment
A reminder before each due date, one tap to mark it paid, and a timeline of every payment you made on time.
Pay it off years sooner
Add a little extra each month and the Avalanche or Snowball plan shows which loan to clear first, and when you'll be debt-free.
Compare before you sign
Put lender offers side by side, or fixed against adjustable, and see which one costs less over the whole loan.
A closer look
Every month,
laid out.
Why XLoan
A calculator, not a lender.
XLoan doesn't offer loans, sell credit or connect to your bank, so it has nothing to push on you. Your numbers stay on your iPhone and iPad, synced only through your own iCloud, behind Face ID if you like. Ads on the free plan never show loans or credit, and one purchase removes them for good.
FAQ
Questions, answered.
When can I download it?
XLoan is in review on the App Store, for iPhone and iPad. It will be free to download as soon as it's approved. An Android version comes after.
Is XLoan free?
Yes. Every calculator, comparing two offers, one saved loan with payment reminders and the first 9 months of its schedule are free. Premium is a single $9.99 purchase, no subscription: unlimited loans, the full schedule, the payoff plan, a yearly loan check-up, PDF export, reminders on the day you pick, and no ads.
Does XLoan connect to my bank?
No. You type in your loan, or scan a statement and the numbers are read on your phone. XLoan never asks for a bank login.
Where is my data stored?
On your device. Turn on iCloud sync and it's kept in your own private iCloud, never on our servers. You can also export an encrypted backup file or a CSV at any time.
Are the numbers exact?
XLoan works to the cent from what you enter, but it's an estimate: your lender's documents are the source of truth for your loan.
Know your loan
before it costs you.
Free to download the day it launches.
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