IntresTools helps you plan smarter money moves—free and offline.
Calculate monthly loan payments and full amortization, compare two loans side-by-side, test refinance savings and break-even, preview home-equity payments within an 80% LTV cap, and model investment growth with or without reinvesting interest. Everything runs on your device—no accounts, no tracking.
What you can do
Loan: monthly payment, principal vs interest, full schedule
Compare: A/B loans with monthly cost, total interest & balance curves
Refinance: break-even rate, fees, and monthly change
Home Equity: keep ≥20% equity (80% LTV cap), see combined payments
Investment: contributions vs interest, reinvest toggle & charts
Privacy & trust
All calculations run locally on your device. We don’t collect personal data.
Disclaimer
Results are estimates for education and planning and aren’t financial advice. Check terms with your lender or advisor.
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