#1 Most Advanced
    Loan Calculator for Africa

    SmartLoanCalc is a professional-grade loan calculator designed for financial institutions, SACCOs, fintechs, and individuals across Africa and beyond.

    Why Choose SmartLoanCalc

    Built with the unique needs of African financial institutions and borrowers in mind, with powerful features and ease of use.

    Multiple Interest Types

    Support for flat, reducing, interest-only, compounding, and fixed amount interest calculations to match any loan structure.

    Powerful Visual Insights

    Interactive charts showing balance decline, payment composition, and cumulative analysis for better understanding.

    Export & Share Options

    Save and share your calculations as PDF or Excel files, or send them directly via email or shareable link.

    Fee & Add-on Support

    Incorporate processing fees, insurance, and other charges as either flat amounts or percentages of the loan amount.

    Light & Dark Mode

    Built-in theme support for comfortable viewing in any environment, day or night, with automatic system preference detection.

    Multi-Currency Support

    Calculate loans in multiple African currencies including KES, TND, ZAR, NGN, TZS, UGX, RWF and other global currencies.

    Complete Features List

    Discover all the powerful features that make SmartLoanCalc the most advanced loan calculator for African financial institutions and beyond.

    User Input Options

    • Multiple loan types (Personal, Business, Mortgage)
    • Loan amount and optional down payment
    • Flexible loan terms (days, weeks, months, years)
    • Customizable issue and repayment dates
    • Multiple repayment frequencies

    Interest Calculation Options

    • Flat rate interest
    • Reducing balance - equal installments
    • Reducing balance - equal principal
    • Interest-only with balloon payment
    • Compound interest calculation methods

    Interest & Repayment Frequency

    • Interest rates per day, week, month, or year
    • Daily repayments
    • Weekly and biweekly repayments
    • Monthly and bimonthly repayments
    • Quarterly, semi-annual and annual repayments

    Results & Insights

    • Total repayment amount
    • Total interest paid
    • Net amount disbursed
    • Effective annual rate (APR)
    • Full amortization schedule

    Export & Share Options

    • PDF export with full schedule
    • Excel (.xlsx) export with calculations
    • Email sharing functionality
    • Shareable links to calculations
    • Comparison of multiple loan scenarios

    Core Features & UI

    • Responsive design (mobile & desktop)
    • Light & dark mode toggle
    • Multi-currency support
    • Accurate financial formulas
    • High performance calculations

    Perfect For

    • Financial institutions including banks, MFIs, and SACCOs
    • Fintech platforms developing loan products
    • Mortgage and asset financing companies
    • Financial advisors helping clients understand loan options
    • Individual borrowers comparing loan offers

    Start Using SmartLoanCalc Today

    Whether you're a financial institution or an individual borrower, SmartLoanCalc gives you the tools to understand complex loan structures and make better financial decisions.

    Try The Calculator