Go overpay your loan. Save thousands.

Yes. The calculator and reminders are free, work offline and need no account, with up to 5 loan plans and 3 custom strategies each. A free account adds cloud backup and sync, 5 AI Coach questions a month and 2 PDF statement imports. GoLoanly Plus removes those limits and adds PDF and Excel export and a monthly AI review of your loans by email.

$4.99 a month or $49.99 a year, or the equivalent in your currency as shown in the App Store or Google Play. You can cancel at any time in your store account settings.

The calculator works fully offline with no account: create plans, try overpayment strategies, see the schedule and compare loans. You only need a free account for cloud backup, the AI Coach and PDF import.

Any loan with regular monthly repayments: mortgages, car loans, personal loans, student loans and others, in pounds, euros or US dollars. It supports fixed rates, variable rates and mixed rates, where a fixed period is followed by a variable rate.

You enter the rates you know, for example your fixed rate and the rate it reverts to. GoLoanly doesn't predict future rate changes: it keeps the current rate flat beyond what you've entered, the same way your lender's own schedule does. When your rate changes, update the plan and every figure recalculates.

It depends on your balance, rate and remaining term. As an example, on a £180,000 loan at 4.9% over 25 years, paying an extra £150 a month saves about £32,000 in interest and clears the loan 5 years and 4 months early. GoLoanly works out the exact figures for your own loan, for a monthly extra, a yearly or one-off lump sum, or an early settlement.

GoLoanly shows you the numbers; the decision is yours. Overpaying saves interest at your loan's rate, while savings earn interest at the savings rate. Many people also keep an emergency fund first, and check with their lender for early repayment charges and any yearly overpayment allowance. GoLoanly is a planning tool, not financial advice.

Yes, from a CSV payment schedule or from a PDF loan statement, which AI reads for you. PDF import needs a free account: free accounts get 2 imports, and Plus is unlimited.

It answers questions about your own plan in plain English, such as "what if I paid an extra £100 a month?" or "which loan should I overpay first?". The figures come from GoLoanly's own calculations, not from the AI. The Coach only sees your plan's numbers, not your name or account details.

A what-if for paying your loan off sooner: a bit more each month, a yearly or one-off lump sum, or an early settlement. The Strategies screen puts them all on one chart next to minimum payments, with the payoff date, time saved, interest saved and the total you'll pay for each. GoLoanly suggests some to start with, and you can add your own: 3 per loan on the free plan, unlimited with Plus.

Yes, if you turn reminders on in Settings. You can get a reminder a week before each lump sum or early settlement, an update every 3 months on how much interest your plan should have saved you, and a check-in every 2 months to keep your plan up to date. Reminders are scheduled on your phone, so they work offline and need no account.

Your loans stay on your phone unless you sign in. If you sign in, they're backed up to our servers in the EU. We never sell or share your data. The full details are in the Privacy Policy.

Yes, in the app (Settings → Account → Delete account) or from the Delete your account page. Your account and its data are deleted 14 days after you ask.