Most calculators hide the real APR behind confusing fees. Rate Master AI shows monthly payment, total cost, and repayment pressure with precision IRR calculations.
Professional-grade loan and credit card analysis tools, designed for real borrowers.
Convergence accuracy to 10-8. Same algorithm used by financial institutions — in your pocket.
Describe your loan in plain language. "Borrow 5000 at 2%/month for 6 months" — AI extracts, calculates, explains.
Equal instalment, bullet payment, upfront fees, and multiple rate units. Full flexibility.
No loading spinners. Calculations run locally on-device. See APR change as you adjust numbers in real-time.
Your loan amounts never leave your device. No account, no cloud, no third-party tracking. Privacy by design.
Supports English, Chinese and auto-detects your language. Works with any currency worldwide.
No forms to fill, no apps to install before you try.
Amount, interest rate, and term. Or just type naturally: "borrow 20000 at 2%/month for 12 months".
Our precision IRR engine reveals the true annual cost, including hidden fees and compounding effects.
Compare offers, choose the right product, and avoid getting tricked by "low" interest rates again.
Answers to the questions people search before borrowing.
APR reflects the real annual cost of borrowing, including interest and certain fees. It is more useful than headline interest rates when comparing loan offers.
Yes. The app helps you understand loan cost, repayment pressure, and credit card debt cost so you can compare options more clearly.
Yes. The calculator is free to use and designed to help users estimate borrowing cost before making a decision.
RateMaster helps you understand cost. It does not approve loans or guarantee credit card applications.
Compare APR, interest rate, fees, repayment term, monthly payment, total repayment, and eligibility requirements before applying.
No. Calculations are estimates for comparison. Lenders and card issuers decide approval, rates, fees, and final terms.
Last updated: August 2026. Product terms and eligibility vary by provider in the Philippines.
"Finally an app that shows the REAL interest rate. Banks hide fees in confusing terms. This app breaks it all down clearly."
"The AI chat is surprisingly smart. I typed 'borrow 5000 at 3% monthly for 6 months' and it instantly gave me everything I needed."
"Great tool for comparing loan offers. The APR calculation matches what my bank quoted me — finally, transparency."
Stop guessing. Start calculating. Free, private, instant.
Download on Google PlayFree to use • No account required • Privacy-first