Enter your loan details and see the exact strategy to cut years off your debt — and how much interest you'll save. Free to start.
🔒 No account needed · No data stored · Used in 40+ countries
From calculation to real-time tracking — no spreadsheets, no surprises.
Generate a full amortization table for any loan, with or without monetary indexation (TR, IPCA).
Run extra payment scenarios instantly. See how much you save — and how many years fall off your loan.
Set different extra amounts and strategies for each period of your loan, month by month.
Override the calculated balance with your real bank statement and keep projections accurate.
Monitor all your loans in one dashboard with a consolidated total balance view.
Simulate whenever you want — no limits. Compare strategies side by side and find your optimal payoff path.
Three steps to take control of your loan.
Use the free calculator to see your full amortization schedule and the impact of paying a little extra each month.
Compare scenarios: reduce your term, reduce your installment, or build a custom schedule period by period.
Enter your real bank-statement balance and see the drift between the projected and the actual balance every month.
Simulate your loan now, no account needed
Start for free. Most users recover the Pro cost in the first week.
Free
Everything you need to see the problem.
Wertly Pro
billed annually
Can't I just use a spreadsheet?
You could. Wertly does in 30 seconds what takes 3 hours in Excel, and shows you strategies you'd never think of.
Does this work in my country?
Yes. Works with any currency and any amortization system — mortgage, auto, student loan, personal loan.
Is my financial data stored?
The public calculator runs entirely in your browser — no loan details are sent to our servers. When you create an account, your data is securely stored so you can track your real balance month by month.
Is this only for mortgages?
No. Works for any loan — auto, student, personal, HELOC, and any combination.
What if I'm not good with numbers?
That's exactly why Wertly exists. You put in the numbers; we do the math and show you the strategy.
Is my financial data safe?
Wertly's free calculator runs entirely in your browser — your numbers never leave your device. For Pro accounts, loan data is encrypted and never shared or sold.
How accurate are the calculations?
Our amortization engine uses the same mathematical formulas as banks. Results match your actual loan statements to the cent. Always verify important decisions with your lender.
I'm outside the US — does this work for my loan?
Yes. Wertly supports SAC (Brazil), PRICE (global standard), and custom payment schedules. Used in 40+ countries. Currency is fully adjustable.
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