Financing Simulator is a practical tool to calculate payments, interest, and terms before you commit. In just a few taps, simulate car financing, mortgages, and personal loans, compare scenarios, and decide with confidence—no paperwork and no sign-up.

What you can do

Mortgage: calculate monthly payments, outstanding balance, and how installments evolve over time.

Loan Calculator: estimate your monthly payment and the total cost of credit.

Auto Financing: enter vehicle price, down payment, rate (per month/year), and term. See payment, total paid, and interest.

Price and SAC: switch between amortization systems (fixed payment with Price; declining payment with SAC) and compare the impact.

Side-by-side scenarios: adjust rate, term, and down payment to find the best balance between payment and total cost.

Rate conversion: work with monthly or annual rates with automatic conversion.

Clear breakdown: total financed, total interest, initial/final payment (SAC), and balance over time.

Why use it

Clarity: numbers presented objectively, focusing on payment, total paid, and interest.

Speed: fill in the essential fields and get results instantly.

Versatility: one app for car, mortgage, and personal loan (Price and SAC).

Better decisions: test alternatives before talking to a bank or lender.

How it works

Select the simulation type: Car, Mortgage, or Loan.

Enter amount, down payment (if any), rate (per month/year), and term.

Choose Price or SAC and calculate.

Review results (payment, total, interest, balance) and compare scenarios.

Adjust parameters until you find the option that fits your budget.

Helpful tips

A larger down payment reduces the financed amount and total interest.

A longer term lowers the monthly payment but increases the final cost.

SAC tends to ease your budget over time; Price helps with planning via a stable payment.

Always compare using the same effective rate and the same periodicity.

Transparency

Results are estimates based on user-provided data.

Actual conditions (rates, fees, insurance, and taxes) vary by institution and customer profile.

The app does not offer credit or broker loans; it’s a simulation tool to support decision-making.

Keywords (content covered by the app)

loan simulator, financing simulator, mortgage and auto financing, payment calculation, interest, Price and SAC amortization, credit simulator, scenario comparison.

Download Financing Simulator now and plan your credit with clarity: simulate, compare, and decide with confidence.