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Open the Loans section and enter the loan amount, annual interest rate and term in months or years. The app instantly calculates your monthly payment, total interest paid and total amount payable. You can also tap "Amortization schedule" to see the full month-by-month breakdown.

Go to the Prepayment section. Enter your outstanding loan balance, current interest rate, remaining term and the lump-sum amount you want to repay early. The app shows you how much interest you save and how much the term or monthly payment is reduced — for both options (reduce term or reduce payment).

When making an early repayment you can choose:

Reduce the term — you keep the same monthly payment but finish paying sooner. This maximizes interest savings.
Reduce the payment — you keep the original term but pay less each month. This improves your monthly cash flow.

Capital shows the exact interest savings and new schedule for both options side by side.

Open the Deposits section. Enter the initial deposit amount, the annual interest rate and the term. You can choose between simple and compound interest. The app calculates the total interest earned and the final balance at maturity.

The Capital section calculates the future value and present value of money using compound interest. Enter an initial amount, a periodic contribution (optional), interest rate and term to find out how much your capital will grow over time. It's ideal for planning savings goals and long-term investments.

Yes. All calculations in Capital are performed locally on your device and require no internet connection. The app works fully offline at all times.

Close and reopen the app. If the issue persists, go to Settings → Restore Purchase inside the app and tap "Restore". Make sure you are signed in with the same Apple ID used at the time of purchase. If the problem continues, please contact us and we'll help you resolve it.

Open the app on your new device, go to Settings → Restore Purchase and tap "Restore". Sign in with the same Apple ID you used when you bought the ad-free version and it will be restored at no additional cost.

Capital uses standard financial formulas (French amortization method, compound interest, etc.) to provide accurate estimates based on the figures you enter. Results are for informational purposes only and may differ slightly from your bank's figures due to rounding, fees or specific contract terms. Always verify with your lender before making any financial decision.

Capital is currently available for iPhone only (iOS 16 or later). We are evaluating Android support for future versions.