Most calculators hide the real APR behind confusing fees. Rate Master AI uses precision IRR algorithms to reveal exactly what you'll pay — in seconds.
Professional-grade loan analysis tools, designed for real people.
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. Daily, monthly, yearly rates. 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, negotiate better terms, and never get tricked by "low" interest rates again.
"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